Now-a-days people are getting more cars and large lumps amount get invested on the Car Insurance. Today we will see how to get the Cheaper Insurance Quotes in the car segment car insurance quotes depends upon the Age,Sex,Job,Postcode and where you park and what you drive.
1. Use the right job title
If you describe yourself as a “chef” when filling in your car insurance application your average quote is £98 higher than if you write “kitchen staff” comparison site GoCompare.com found – and it’s not just cooks that have this problem.
“Music teachers” pay £86 more than “teachers”, “office managers” pay more than “office administrators”, and “construction workers” pay more than “builders” who – in turn – pay more than “bricklayers”.
Basically, if your job fits in more than one category, check car insurance quotes are for all of them before applying. For more on how your job affects your car insurance,check out GoCompare’s guide . And if you’re a full time parent or retired make absolutely sure you check that box and not “unemployed” – it could save you almost £300.
2. Add another more experienced driver to the policy
It’s a crime to say someone who isn’t the main driver of a car is, but adding a secondary driver is perfectly legal - and more than that, it can save you money.
Get their permission first, then add an experienced driver with a clean driving license and decent no-claims history to your insurance.
3. Never leave it till the last minute
Searching around and switching car insurance three weeks before your renewal date, rather than on the day, saves you an average of £280, comparison site Comparethemarket found – with even bigger savings available for younger drivers.
Oh, and make absolutely sure you do compare and switch – figures fromMoneysupermarket.com show almost 6 million drivers just accept their auto-renewal quote – costing them £113 a year.
4. Get some cash back
Comparison sites make money because when you switch products with them they get a referral fee from the insurer. But if you’re clever, you can get that money yourself.
Topcashback is offering up to £110.25 cashback when you switch through them. Once you’ve compared prices and found which deal is cheapest, head over to one of them and see if you can get an even better deal by switching through the cashback site.
5. Pay up front
Did you know that many insurers charge interest on your payments if you spread the cost over the year? Well, they do. an average of £62 more Moneysupermarket worked out. So if at all possible, pay up front.
6. Cut your extras and boost your excess
What’s included in your car insurance quote? Breakdown cover? Windscreen cover? Theft from the car? Driving abroad? Personal accident cover? A courtesy car? Every extra adds to the premium. More than that, a lot of them might already be covered by things like your travel insurance, AA membership, home insurance or even your bank account.
Double check you’re not double paying and then look to see if you really need these extras. Oh, and you need to check how much excess there is on your policy. This is how much you have to pay yourself when making a claim. The lower the excess the higher the car insurance, so work out how what you can afford to pay in the case of an accident and set your excess to that – even £50 can make a difference.
7. Don't assume third party is the cheapest
If You would expect that third-party cover to be the cheapest because it is the lesser cover, just covering the person you bump into and their car. Yet don’t expect car insurance to be logical.
With some insurers the mere fact you have selected comprehensive, which includes your car too as well as fire and theft, means you'll be assessed as a lower risk (based on actuarial history, which is what an insurer will hold about a particular age group or address, for example, on which they base their premiums).
This can outweigh the fact you get more cover, and make your policy cheaper.
There are no hard rules here, it’s a matter of trial and error, yet if you’re just looking for the very cheapest cover, never only check third party.
There are no hard rules here, it’s a matter of trial and error, yet if you’re just looking for the very cheapest cover, never only check third party.
Choose better and save money
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