DO NOT AUTOMATICALLY RENEW
Always ask for quotes from new insurers when renewing your car insurance,
most insurers allow premiums to rise automatically giving the lowest premiums to new customers
Raise the excess on your policy it will reduce your premium
Ask the insurer if they can beat the most competitive quote you have received from
another company
LOW
COST CAR INSURANCE
ALWAYS ASK ABOUT DISCOUNTS
Ask what discounts are available if you dont ask they often will not be offered,
typical discounts might be over 50, clean driving record, advanced driving, security devices such as steering locks or
alarms or immobilisers
Unless the vehicle really is used for business do not cover for this if you want
low cost car insurance as it increases your premium
Do not overstate the annual mileage try to be exact not unecessarily increasing
your car insurance premium
Avoid overnight street parking as this will increase car insurance premiums
BUY ONLINE FOR
A DISCOUNT
If buying car insurance on the telephone ask if there is an additional discount if you buy
online
If you can settle the car insurance premium in one payment, there is usually
a big mark up if you pay by installments
Do not pay to much to protect your no claims discount, it could be costing you more
than you will lose if you make a claim
LIMIT THE NUMBER OF
DRIVERS
If you do not intend taking the car abroad get a quote from an insurer that does not automatically
give you European cover
Limit the number of people entitled to drive your car for example yourself and your partner
rather than any person driving with your permission
If you can keep the car overnight in a garage explain this when obtaining cover,
it should reduce your premium
