How to get the best deal for car insurance? The best way to get the best and cheap car insurance is to go through our five easy steps which could save you hundreds of pounds on car insurance. These five steps are as follows:
1. To lower the price • In order to lower the price of your car insurance there are few things you can do – Sometimes you are charged interest if you pay by instalments, so, do check with your insurance company. Remember that you Pay your car insurance annually and not monthly. • You might not need some products or add-ons like legal expense cover or you might be able to get it more cheaply elsewhere but sometimes your broker or insurer might try to sell you such add-ons. So, do not pay for what you don’t need. Check the price and the level of the cover if breakdown cover is included in your car insurance because you might find a better cover for a cheap price or at the similar price. Hence you must consider buying breakdown cover separately. • Make sure that you can carry over you a no-claim bonus when changing the insurer. If you have not claimed a bonus for five years or more, then you must consider paying an extra premium to protect your no claim bonus. In short, you have to protect or increase your no claim bonus. • Now to lower your premium, you can add a voluntary excess to your compulsory excess. After both the excesses have been deducted remember that you will get less back if you make a claim. So, you need to be able to afford it. Unfortunately, if you don’t claim, then you have to tell your insurer that you have had an accident and your premium might go up as a result.