Auto insurance

How to get cheap car insurance


Car insurance premiums continue to rise with warnings that more increases are on he way – but you can’t do without it.

Fortunately there are a number of tricks which are quick, simple and could save you a wad of cash.

Stick to the rules or you could find your insurance won’t pay out when you need it, but that doesn’t mean you have to let the company have it all their own way.

Here are a few ways you could save pounds off your premium.

Think about your job title

If you describe yourself as a “chef” when filling in your car insurance application your average quote is £98 higher than if you write “kitchen staff” comparison site GoCompare.com found – and it’s not just cooks that have this problem, according to the Birmingham Mail.

“Music teachers” pay £86 more than “teachers”, “office managers” pay more than “office administrators”, and “construction workers” pay more than “builders” who – in turn – pay more than “bricklayers”.

For more on how your job affects your car insurance, check out GoCompare’s guide.

Add another more experienced driver to the policy

It’s a crime to say someone who isn’t the main driver of a car is, but adding a secondary driver is perfectly legal – and more than that, it can save you money.

Get their permission first, then add an experienced driver with a clean driving licence and decent no-claims history to your insurance.

Searching around and switching car insurance three weeks before your renewal date, rather than on the day, saves you an average of £280, comparison site Comparethemarket found. And there are even bigger savings available for younger drivers.

Make sure you compare and switch. After all, figures from Moneysupermarket.com show almost 6 million drivers just accept their auto-renewal quote – costing them £113 a year.

Pay up front

Did you know that many insurers charge interest on your payments if you spread the cost over the year?

Well, they do. an average of £62 more Moneysupermarket worked out.

So if at all possible, pay up front.

Cut your extras and boost your excess

Every extra adds to the premium.

So think carefully about what’s included in your car insurance quote.

Breakdown cover? Windscreen cover? Theft from the car? Driving abroad? Personal accident cover? A courtesy car?

A lot of them might already be covered by things like your travel insurance, AA membership, home insurance or even your bank account.

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