How To Get A Very Cheap Car Insurance

Choose The Right Vehicle

If you are looking to get the most affordable car insurance, then you will want to consider your vehicle choice carefully. Some cars are more expensive to insure than others, and by selecting one of these cars you could be setting yourself up for a more expensive policy. Consider cars with a good safety record and a low risk of theft. This will reduce the cost of your insurance policy.

Shop Around

Don't be tempted to just accept the renewal offer from your current car insurer. Make sure you shop around to get the best deal. You can do this online or through a broker, and you should compare the quotes from different companies to make sure you are getting the best deal. You may also want to look at specialist insurers who may offer better rates than the mainstream insurers. Don't forget to read the small print too, as this is where you can find hidden extras that may affect the cost of your policy.

Increase Your Excess

By increasing your excess, you can reduce the cost of your policy. As long as you can afford to pay the excess if you have to make a claim, this could be a good way to save money. However, you should remember that if you do have to make a claim, you will have to pay the excess so make sure it is an amount that you can afford.

Look For Discounts

Many insurers offer discounts if you meet certain criteria, such as being a certain age or having a good driving record. Make sure you look for any discounts you may be eligible for, as this could reduce the cost of your policy. Some insurers also offer loyalty discounts for customers who stay with them for a certain period of time, so if you have been with the same insurer for a while it is worth asking about this.

Pay Annually

You can usually save money if you pay for your policy annually rather than monthly. This is because the insurer will charge interest on monthly payments, so if you can afford to pay the annual cost upfront you could save money in the long run.

Install Security Devices

Some insurers will give discounts if you install security devices in your car, such as an alarm or immobiliser. These can help to reduce the risk of theft and could result in a lower insurance premium. It is worth checking with your insurer to see if they offer any discounts for security devices.