How to Get CHEAPER Car Insurance UK | Save Money on Car Insurance!

Get CHEAPER car insurance with these car insurance TIPS and HACKS! Are you looking to SAVE MONEY on car insurance? Find out how to get cheap car insurance in the UK with these cheap car insurance tricks.

Everyone wants to save money on car insurance and if you are a new driver or a younger driver then you could potentially save hundreds (if not thousands) by using these car insurance tricks.

SAVE MONEY on your car insurance quotes with these tips:

1) Car Insurance Comparison Websites - As there are many car insurance companies in the UK to choose from, I like to start my car insurance quote process by getting a quote on a comparison website. This allows me to shortlist the car insurance companies that are most likely to offer me a cheap car insurance quote. I then go to these insurance companies directly to try and negotiate a lower price - sometimes it is cheaper to buy online and sometimes you get the best price by calling the car insurance provider.

2) Car Insurance Companies Not On Comparison Websites - There are a number of UK car insurance companies that don't provide quotes via comparison websites, make sure you get quotes from them as well e.g. Direct Line and Aviva.

3) Add Named Drivers - After you have named yourself as the main driver on the policy, try adding experienced drivers with clean driving licences as this can sometimes save money on car insurance. In the past, I have added my Dad (retired, clean licence and driving for 40+ years) and more recently I include my wife - both have reduced the car insurance cost. Do not be tempted to put the policy in your parent's name and then add yourself as a named driver, if you are the main driver this is illegal and classed as "fronting".

4) Experiment with the voluntary excess - Increase and decrease the voluntary excess until you find the level that is right for you. If you increase it by £500 and it saves you £20 it probably isn't work it, however, if you increase it by £250 and it saves £50 then you might be more tempted. Also, remember that you only pay car insurance excess if you claim on your own vehicle. If the other party claims but you do not then there will be no excess to pay. This is super useful to remember if you have a low-value car that you never intend to claim on - you can push the excess right up knowing you will never pay it.

5) Get creative with your job description - Your car insurance job title or job description will impact the cost to insure your car. Is there another way you can categorise your job e.g. it may be cheaper to be a "Teacher" than it is a "Lecturer".

6) Fully Comprehensive Car Insurance Is Cheaper - Nowadays, Dully Comprehensive car insurance is often cheaper than Third Party or Third Party Fire and Theft car insurance. Don't assume that those policies will be cheaper, always get quotes for fully comprehensive as well.

7) Remove Car Insurance Optional Extras - Car insurance companies often try to upsell and bolt on a load of optional extras, check the quote fully for items such as key cover, misfuelling insurance, legal cover, personal belongings insurance etc. I usually remove all of them with the exception of legal cover.

8) Car Insurance Cashback and Discount Codes - Check cashback websites such as Quidco or Topcashback to see if the car insurance provider you have received a quote from offers cashback. Be careful that your quote doesn't increase when you click through from the cashback website! Also, go to enthusiast websites / forums / Facebook groups as often these have negotiated discounts available for members with specific vehicles.

9) Annual Mileage - Try increasing and decreasing your annual mileage, a lower annual mileage doesn't always mean the car insurance quote will be cheaper.

10) Never Accept Renewals - Almost all car insurance companies will try to increase your car insurance premium at renewal, make sure you contact your insurance company to see whether a discount is available if you renew.

11) BONUS: Pick up the telephone! - This is my favourite tip for saving money on car insurance, whether it is a renewal or a new policy it is always worth calling the insurer direct to see if additional discounts are available.

Here are some of the links I mentioned in the video that will help you save money on your car insurance quotes:

Car Insurance Myths (Excess) - https://www.admiral.com/magazine/guides/motor/eight-car-insurance-claims-myths-busted

Car Insurance Job Title Comparison - https://www.thesun.co.uk/wp-content/uploads/2017/06/kh-table-job-titles-insurance-v2.jpg

Car Insurance Job Description List - https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

Car Insurance Annual Mileage Average Quotes - https://www.which.co.uk/news/2019/03/drivers-with-low-mileage-charged-more-for-car-insurance/

How did you save money on your car insurance this year? Let me know in the comments!

Видео How to Get CHEAPER Car Insurance UK | Save Money on Car Insurance! канала Honest Money