A Six Step Guide That Guarantees Cheap Motor Car Insurance
Motor car insurance is by no means cheap in the UK, especially for young drivers.
This is, however, not a trend that is specific to the UK but is, in fact, the same in most countries of the world.
For many young drivers it may seem that cheap car insurance is an impossibility and will simply never happen.
But this isn't the case.
If young drivers follow these steps they should be able to find cheap motor car insurance and drop their premiums in a number of ways.
1)Step one: Deciding on insurance Your choices are Fully Comprehensive, Third Party Fire & Theft, and Third Party Only.
Decide ahead of time which of these suit your needs the best, taking into consideration your car, where you park it, how much you drive, and your pocket of course.
2)Step Two: Using the Internet The Internet makes shopping a great deal easier for you.
Search engines like Google, Yahoo! or Live produce hundreds (if not thousands) of results for you.
Many of the results will be price comparison websites, which is good.
Also look for blogs and forums, and use the social bookmarking sites like del.
icio.
us or Stumbleupon.
3)Step Three: Price comparing The price comparison websites are helpful in this regard.
One search on these sites and you receive a dozen or more quotes (sometimes even 60 quotes).
Use a number of these sites, though, as insurance companies pay to be listed and you want to get a good overview of the market.
Watch out for high excess quotes or different packages coming from the same insurance company.
4)Step Four: Research your options Once you have shortened your list of potential insurance companies from price comparison websites and the search engines, use the same search engines, blogs, and forums to research these companies.
You want to pay attention to their service delivery and their reputation.
5)Step Five: Email or phone Since you now have a short list of cheap insurance companies, you can phone them or email them, get a direct quote, and negotiate a lower quote.
Try and get things equal between each company, in other words get them to quote you on the same excess, take out the perks etc.
This way you can get a bare-bones quote from each and have a good idea who is cheaper overall.
6)Step Six: Negotiate Here are things to consider: a) By increasing your excess you can drop your premiums.
b) Driving courses, like Pass Plus, are a bonus.
You can get 12 to 40 percent discounts! c) No-claims discounts can work to your favour.
See what they can offer.
As a young person, a three year no claims discount seems a little unfair given your premiums but there are companies offering one year no claims discounts.
d) Ask about what they can do for you if you provide them with a clean record.
e) An alarm or car security of some form helps.
f) Don't get tricked into accepting useless extras like "free" gym contracts, towing services, etc.
Consider how many of these are going to really be useful to you.
g) Talk about your mileage.
Quotes are calculated on the average mileage of 8,000 to 10,000 miles a year.
If you drive less, why should you pay the same?
This is, however, not a trend that is specific to the UK but is, in fact, the same in most countries of the world.
For many young drivers it may seem that cheap car insurance is an impossibility and will simply never happen.
But this isn't the case.
If young drivers follow these steps they should be able to find cheap motor car insurance and drop their premiums in a number of ways.
1)Step one: Deciding on insurance Your choices are Fully Comprehensive, Third Party Fire & Theft, and Third Party Only.
Decide ahead of time which of these suit your needs the best, taking into consideration your car, where you park it, how much you drive, and your pocket of course.
2)Step Two: Using the Internet The Internet makes shopping a great deal easier for you.
Search engines like Google, Yahoo! or Live produce hundreds (if not thousands) of results for you.
Many of the results will be price comparison websites, which is good.
Also look for blogs and forums, and use the social bookmarking sites like del.
icio.
us or Stumbleupon.
3)Step Three: Price comparing The price comparison websites are helpful in this regard.
One search on these sites and you receive a dozen or more quotes (sometimes even 60 quotes).
Use a number of these sites, though, as insurance companies pay to be listed and you want to get a good overview of the market.
Watch out for high excess quotes or different packages coming from the same insurance company.
4)Step Four: Research your options Once you have shortened your list of potential insurance companies from price comparison websites and the search engines, use the same search engines, blogs, and forums to research these companies.
You want to pay attention to their service delivery and their reputation.
5)Step Five: Email or phone Since you now have a short list of cheap insurance companies, you can phone them or email them, get a direct quote, and negotiate a lower quote.
Try and get things equal between each company, in other words get them to quote you on the same excess, take out the perks etc.
This way you can get a bare-bones quote from each and have a good idea who is cheaper overall.
6)Step Six: Negotiate Here are things to consider: a) By increasing your excess you can drop your premiums.
b) Driving courses, like Pass Plus, are a bonus.
You can get 12 to 40 percent discounts! c) No-claims discounts can work to your favour.
See what they can offer.
As a young person, a three year no claims discount seems a little unfair given your premiums but there are companies offering one year no claims discounts.
d) Ask about what they can do for you if you provide them with a clean record.
e) An alarm or car security of some form helps.
f) Don't get tricked into accepting useless extras like "free" gym contracts, towing services, etc.
Consider how many of these are going to really be useful to you.
g) Talk about your mileage.
Quotes are calculated on the average mileage of 8,000 to 10,000 miles a year.
If you drive less, why should you pay the same?
Source...