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Many of these offer no information, only a link to a page full of
affiliate links (against eBay regulations as the pages say do not bid,
just click the link)
However here is a proper list of ways to save on car insurance.
Car insurance is an expensive necessity but there are a number of ways
you can significantly reduce your premiums.
1. Never automatically renew each year, insurers do not take
depreciation into account when they send an automatic renewal notice,
so after a few years you may find you are still paying insurance based
on a £10,000 car even if it is only now worth
£5,000. Even if you are happy with your current insurers it's
worth spending 20 minutes getting a quote from an online broker
before calling your current insurer to see if they can match it.
Invariably they will at least offer a better price and that's money
better off in your pocket.
2. Always get a quote from a broker, even if you don't take up
quote it gives you a good benchmark price and if you subsequently talk
to your preferred provider you can use this quote as leverage to get a
better price. All insurance companies will try to match or beat a
price, they may not be able to, but they will try, they never give you
their best price first. For those who don't like to haggle, if the
price they quote is higher than the broker price then all you need to
say is "I got a quote from the AA for £xxx, are you able to
3. Women - don't assume women only car insurance is cheaper, in my
experience it almost always isn't as other insurers do give women
better rates anyway. As an example my wife was with Diamond but got a
quote from the AA which was £150 cheaper!, she phoned Diamond
back and they dropped their price by £50 but my wife changed
to the AA. Men - consider insuring your car with your girlfriend / wife
as the primary driver with your self as a named driver.
4. You can cancel and renew at any time so you don't have to wait until
your current insurance expires to shop around, if you have a birthday
and turn 21,25,30,35 mid way through your car insurance year then get a
new quote, you may be surprised. Other changes that may happen to you
that will lower your premiums are starting to store your car in the
garage, getting married, having an immobiliser fitted, and even if you
get a new job nearer to home and your annual mileage decreases.
5. Combine your policies - if your household has 2 cars then some
insurance companies will offer extra discounts if you insure both cars
with them, you can also combine other types of insurance with many
companies such as home insurance, pet insurance etc. and save even more.
6. If you feel you are a very safe driver then you can increase your
excess and get a lower insurance quote. There is some risk with this
but the excess offered as standard by insurers is an average, if you
feel you are a better than average driver then you may feel it's a very
small risk worth taking.
7. Declare any modifications to your car, different wheels, different
exhaust, air filter - anything. It probably wont make much of a
difference to the price but if you don't declare it and have to make a
claim then your insurer will not pay if they find out about the
8. Never over estimate the value of your car in the hope that if you do
have an accident the insurance company will pay out the value you have
listed. Insurance companies only base the quote price on the value you
give, in the event of a claim they ignore this value and work out the
value for themselves so you will be paying too much in insurance for no
9. If your car is written off think very carefully about accepting the
first offer, as most if not all insurance companies will try to get
away with paying out as little as possible on a full claim. In general
you should never accept the first offer, don't be afraid to haggle,
they expect it.
10. Some insurance companies give a discount for drivers who have taken
a recognised advanced driving course, there aren't many and it may not
make a huge difference but if you have had a few claims and are paying
very high premiums then it's well worth considering.
11. Never pay monthly as this is an area where insurers add a
significant hidden charge, if you don't have the money available to pay
it all in one go then getting a loan for 12 months to pay for it will
be much cheaper.
12. If you are young (even up to 25), you should consider insuring your
car in a parents name (get their consent first of course). You won't
build up no claims discount but in the long run it will be much
cheaper. No claims discount is a bit over rated anyway, at age 25 with
no no claims discount, many insurers will give you 30% anyway.
13. Buying your insurance on the internet will often get you an
additional discount, many insurers now offer 10 to 15 percent discount
for online purchases. Get
10% 0ff Lloyds
TSB Car Insurance
My own true "car insurance" story.
After I had been dating my "wife to be" for a while I decided to put
her on my insurance expecting the price to go up a bit since she was
younger than me and had no no claims discount. In fact the cost of my
insurance went down and they sent me a cheque for £6. I think
it was because she was a woman (duh!) and also a nurse so don't always
be afraid of adding people to your policy, it can sometimes help.