Guide to Cheaper Car
Insurance
So how
do you
get
car
insurance cover
for
less?
The
quick
answer
is to
ring
around...
lots.
Talking
to
insurance
companies
is
tedious
and
often
frustrating,
but the
more you
ring,
the more
money
you’ll
save.
So, put
aside an
afternoon,
grab
your
comfy
chair
and make
them
work for
your
money.
You
might
save a
few
hundred
quid for
a few
hours
work –
not even
estate
agents
earn
that
rate.
Ringing
round
works
because
insurance
is
competitive,
highly
profitable
and they
want
your
business.
Badly
enough
in most
cases to
offer an
introductory
discount,
knowing
that
your
desire
for an
easy
life
will let
them
whack up
the
price
next
year
without
complaint.
Make
sure you
only get
cover
for what
you
want.
Plenty
of
policies
include
‘free’
breakdown
cover,
legal
advice
etc.
It’s not
really
free of
course,
so ask
for a
quote
without
it and
stand
your
ground
when
they say
they
can’t -
chances
are they
can.
Especially
if
you’re
the kind
of low
risk
driver
they
dream
about.
The
other
way to
cut
insurance
costs is
to pay
for it
in one
go.
Most
companies
offer an
instalment
plan,
but the
interest
rates
can be
even
higher
than
paying
by
credit
card.
Whatever
the
cost,
don’t
even
think
about
driving
without
insurance.
At best
you’ll
get
nicked
before
you do
some
damage –
a hefty
fine and
six or
more
points
on your
licence.
Damage
caused
by
uninsured
drivers
is one
of the
reasons
we all
pay so
much for
cover in
the
first
place.
Should I use Comparison
Sites?
The simple answer is
, depends on how much
time you have.
Your initial call should
be with companies like
money supermarket , or
confused.com , punch in
your details and see
what comes back.
Be careful when
comparing car insurance,
as most companies offer
slight variations and
you end up not comparing
like for like.
Once you have found a
company who can offer
you the cheapest car
insurance, why not visit
their website directly,
they may offer it
cheaper to direct
customers (no need to
pay referral fees to the
comparison sites) ,
however most will be the
same and some could be
more expensive.
Third
Party
Only
The
most
basic
cover
commonly
offered.
You get
nothing,
but the
person
you hit
gets
their
car
fixed
and any
compensation
paid
for.
Third
Party,
Fire and
Theft
As
above
but it
also
covers
your car
against
theft or
fire
damage.
Fully
Comprehensive
Costs
around
twice as
much as
third
party,
fi re
and
theft,
but your
car will
be
repaired
or
replaced
even if
the
accident
is your
fault.
Worth
having
for
newer,
more
expensive
cars.
Many
finance
companies
insist
on it.
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