You are looking for the cheapest car insurance? It’s good but the matter is that how you can get the best possible cover for the cheapest possible price.
With a clever approach you can make sure that the policy you want is best for your own individual needs.
The first thing to do is be clear in what you want and ask for a policy that matches that. Value for money does not mean the lowest price and you should make sure that you look beyond the price. If you are unsure what is available it is important to ask.
For example you may want to make sure that your rates will not increase if you are involved in an accident that is not your fault.
When you look online, remember that any quote you get is not an obligation to purchase. It is generally advised to get at least three different quotes from different insurers.
This not only gives you an idea of prices available but is also a good tool in any negotiation when you directly contact an insurer.
Price comparison websites are also a useful tool in this respect. There are numerous examples available online that can help you look at a number of quotes instantly.
A lot of them offer clear graphs showing what kind of cover you get for your money and this is worth considering if you get similar prices.
These websites are just one method of comparison. It is worth noting that some companies do not feature on comparison sites and they will usually note this in their advertising.
In some cases they may have exclusive offers on their website, so it may be worth looking on their site before choosing a company from a comparison site.
In some cases, a company may not fully list their discounts online or in their advertising. When contacting them you should ask directly for a full list of discounts available.
For example they may offer you a discount if you have a security system on your car or if you have five years of a no claims bonus.
If you are still not satisfied it is worth mentioning other prices that you have seen online to see if there is any room for negotiation and securing a better deal. Some call centre sales operatives will be given additional discounts, so it is worth asking.
If they seem hesitant, ask to speak to the manager. Some may not be able to offer a cheaper price but might included extra cover such as uninsured driver insurance or a bigger discount on a multiple car policy.
Once you have found a policy that suits your needs, make sure that you carefully check the small print before committing and signing up.
Even when you have signed up be sure to look out for new offers. Switching can save you money if you are smart. With the right quote you can always buy cheap car insurance.
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