Cheap Car Insurance Online
When you’re looking for car insurance online, there are a few things you can do to help you find the cheapest deal possible.
Comparison sites
The first thing is to use dedicated search portals that are designed to compare all the car insurances available to you and seek out the best ones. If you use a combination of the top two sites Moneysupermarket.com and Gocompare.com you’ll hit around 70% of the available market in just those two quotes. There are a few sites that don’t list through comparison sites such as Aviva and Direct Line, so it’s worth looking at those as well as they’re big companies and can be competitive for many people, but after this if you want to, you can search through all the smaller comparison sites as well.
Check the Cover
Check the cover that you are setting yourself up to receive, including things like whether you drive to and from work, and how many miles you do. By letting the companies know that you do limited milage, or that you don’t commute by car, you may reduce the cost of your insurance.
Look also at things like excess amounts that you might have to pay if something goes wrong. If you are confident that nothing will go wrong, or you’re willing to take the chance of paying more if it does, you could adjust your excess to a higher amount, and possibly lower the cost of the premium by doing so.
How to Pay
Most car insurance will have options so that you can choose to pay monthly, or to pay by lump sum. Choose to pay monthly ONLY if it won’t cost you any extra to do so. Many companies will add on extra cost if you choose the pay monthly option, so it’s generally best to pay the money up front in one lump sum.
Make sure that there are no fees involved also for the payment method you want to choose, be it debit card, credit card or bank transfer. Generally speaking there aren’t, but one or two insurers have started charging extra if you pay by certain payment methods.
Call Your Last Insurer
Once you’ve found your lowest quote, it’s worth calling your existing insurer and asking them if they can beat or match that price. Sometimes they can, but be careful that they are offering the same insurance deal not one with a higher excess or without some of the perks.
Find a Cash back Deal
Now you’ve found the car insurance deal that you want to take, have a look around the internet and find a company that offers a cash back scheme. There are quite a number who do, and this cash back amount will effectively reduce the cost further.
If you can’t find a cashback site that’s offering a deal for that insurer, it’s worth checking on sites such as Beatthatquote.com because they usually offer £25 cash back – do check however, that the premium amount is the same if you go this route, and also that the excesses are the same too.