Cheapest Car Insurance On The Market – If you’re like me, finding cheap insurance can be a pain. Endless articles and difficult conversations with different providers just a little red. If you want a quick and easy way to reduce your car insurance by 20-50%, you are in the right place! Even better, these steps only take 10-20 minutes and you don’t have to talk to anyone!
I haven’t used a car in a month. At the end of 28 days the car has traveled about 20 metres, but that 20 meters cost me £110 of fun. It’s one of my biggest monthly bills (after rent) and I’m not alone. MoneySuperMarket said the average cost of car insurance from March to May 2016 was £470, but Confused.com said in the last quarter of 2017, it rose to £827.
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There are many insurance comparison sites out there that even recommend you move house or change your car if you want to get cheap car insurance.
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Well, thanks guys! I’m not going to move the house or change the car, but if you want to know the factors that affect the best offer, look here.
I will use a live case study to show you how it works. The subject of the story is me! This is the first place on the price comparison site Confused.com. This is a full review on the 2002 BMW 330ci. I’m 22 years old and I don’t have a 2 year bonus. Some of you may be winning at this price but for me, it’s not too bad (last upgrade was over £1100…eek!).
The first tip here is to throw out the most expensive Comprehensive consideration. You should try all options; complete, third party fire and theft and third party only. Insurance companies said if you think you are only a third party, then you are not paying attention to your car and will charge you more. But today even third-party fire and theft can be an expensive option through the scope.
You can see for this company that third party fire and theft claims have suddenly increased by £572. It should be noted that some companies are missing from the TPF&T list.
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But for me, the lowest is Third Party Fire & Theft and here we go to the next best idea.
A ‘black box’ is a small computer attached to your car that measures how you drive, and sends that information to your insurance agent.
The typical black box is the same size as a smartphone, it should be installed, usually under the dashboard, and it has three main features:
The tracking box starts when you start the car, and ends when you turn off the ignition. It analyzes several metrics based on your driving habits, such as average speed, driving time, acceleration and deceleration, and cornering speed.
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As you can see this is a black box quote (shown in the yellow line at the bottom right). This is the cheapest so far. But if you’re like me and balk at the idea of a black box, don’t worry. It is still worth looking into this quote. If you click the ‘more info’ button and then go to the insurance company’s website, you can remove the options from the black box and read the quote again.
This revised quote was still £40 cheaper than my original quote and it didn’t even come up on the comparison site. Obviously, if you choose black box insurance, you will save about £200 but it turns out that if you exclude black box quotes from the start, you lose this cheap option.
But wait…for a while keep following these tips with black box quotes attached. We are not done with saving and if at the end of this your lowest activity is a black box quote, you can remove it.
Basically, your cache is information stored in your browser so that it can load frequently used websites faster. If you clear your cache or use Google’s incognito mode, it should give you a clean slate to look at.
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If you search for an insurance policy online, some small files will be saved in your customer browser which will allow the insurance company to return to their website if you want to return. . With this information, the insurance company knows that you have expressed an interest in insurance, and can use this information to provide you with a higher quote.
Mode, or delete the cache between visits to the insurance site. In this way, you can browse the web without storing cookies on your computer so that the websites you visit do not recognize you as a frequent visitor.
I used incognito mode, created a new account on confused.com and with the same quote it’s now £27 cheaper! Save on something small and simple as this is a big win. I don’t have to lie, be uncomfortable or even change. I only spent 2 extra minutes and saved almost £30.
This is great and it really touched me. Just by moving the insurance start date up to two weeks ago (instead of today), get ONE HUNDRED AND TEN POUNDS! And it was only $6 more if I had done it a week ago.
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Basically if you make a quote to start the same day, the insurance company knows that you are desperate and you will get benefits. Get your quote early in the future and you will be able to save a lot of money.
Another way to find cheap car insurance is to check your mileage. This surprised me when I first tried this, but it works.
If most of your driving is to and from work, you can figure out how many miles you have, twice per round trip, and multiply that by the number of days you drive in a year.
Mileage restrictions can be an effective way to lower insurance costs. Again, there is no need to lie because it is easy to prove yourself.
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If you put your mileage at 1000 or 2000 miles a year, you will pay more. Insurance companies see you as a high risk because you have not gained experience on the road.
Obviously don’t set it lower than the number of miles you drive, but above 12000 miles it will be expensive, while around 5000 miles seems to be a sweet spot. This means you don’t have to worry about how many miles you put on your car. Win-win!
It may seem strange, but another driver (driver’s name) on your policy can lower your car insurance quote.
A named driver is someone who is insured to drive your car, even if you drive a lot. When you drive your car, your named driver will have the same level of protection as you.
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Don’t be a great driver if it’s not true, but add it as a named driver and see if you’re offered a lower price. Insurers often want to know the name, age, marital status, address, and interests of other drivers. Also, you need to provide information about the accident or motorcycle fault of the alleged driver. You can add one or more drivers to your existing car insurance or provide information when you take out new cover.
By adding additional drivers, insurance companies are constantly looking at the risks they represent. So depending on which drivers you add, it can reduce the cost. I was lucky that my father is old and has been driving cars longer than he has been alive. Adding him to my policy reduced my premium by a further £65.
To test the theory again I decided to add another driver to the policy to see how it was handled. I decided to add my father’s partner who is a 57 year old woman, and has a driver’s license older than me.
I did the trick of adding a third driver before but it didn’t work, but this time it did. It knocked another £40 off the price.
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Shopping around is a simple but effective way to find cheap car insurance because insurers rarely offer the best deals to their existing customers.
Car insurance companies use price comparison websites to see if you can save money by switching insurance.
Just remember to make sure you’re comparing like-for-like сover, with voluntary excesses set at the same level and including any extras you might normally add.
You may have noticed that during this I was talking confused.com. Despite this, you should use every dating site and not just the one you want. Even though they use the same insurance, they ask different questions with different parameters and sometimes have unique offers. This can result in different prices. As you can see here:
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Go to Compare and Compare Market was £2.24 cheaper. MoneySupermarket saved me £11.20. Not a huge amount but still worth it in the eyes for another 5 minutes of time.
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