Six hacks to get a great deal on your car insurance
Car insurance is one area where millions of people overpay and could save a tidy sum, just by taking a few simple steps.
Here are our six hacks for getting the best car insurance deal.
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If we had a pound for every time we’ve advised this, we’d all be sunning ourselves on a beach somewhere.
Luckily more people are starting to get the message that loyalty is a mug’s game.
We’d obviously prefer it if you used our comparison tool, but any will do.
Just type your details in and see how much you can save.
And if you've been with the same insurer for a while, it's even more important.
Even if you're in the middle of a policy, you may find the savings you can make by switching will dwarf the cost of exiting your current policy early
But, it's also important to remember that...
Timing can be pretty important
It’s been shown that if you leave your insurance policy hunt until the last minute, companies will whack up the prices.
And if you leave it right up to the date of renewal you will, on average, pay £100s more than you need to.
The Golden Window for car insurance shopping has been shown to be THREE WEEKS before renewal.
Put the date in your diary now!
Adjust the excess
It’s well worth seeing what a difference it makes to a premium when you adjust the excess upwards. It can be significant.
You need to consider what kind of claim you would actually make – because you’ll lose your no-claims bonus if you do claim.
And even if it’s protected, your premium will still rise if you make a claim.
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Add another driver
Strange as it might seem, adding another driver can actually bring your premiums down.
We’re not talking about your 17-year-old son here! No, but adding a more experienced driver than yourself with a good driving record is looked on favourably by some insurers.
But don’t be tempted to put this person down as the main driver when they’re not because that’s a criminal offence.
Short of being downright dishonest, there are probably several ways you can legitimately describe what you do for a living, and your job title creates a risk profile, whether you like it or not.
Believe it or not these profiles can make a significant difference to price.
Office managers will pay more than an office administrator, for example.
HAVE YOU READ: Ten tips on how to get the best car insurance
Drop the extras
It’s all too easy to keep ticking ‘yes’ to all those extras that are offered when you’ve made your selection.
But are they worth it? (Here's what we think).
Do you need breakdown cover, windscreen protection, even theft from your car? Have a think whether a) you need many of these and b) whether you may have them covered elsewhere on other policies.
For more detail on how to save money on car insurance, have a read of our in-depth guide.