Cheap Insurance Quotes

Cheap Insurance Quotes – If you’re like me, finding affordable insurance can be a real pain. Bargain hard with various providers for endless offers and only small discounts. If you’re looking for a quick and easy way to lower your car insurance by 20-50%, you’re in the right place! Even better, these steps only take 10-20 minutes to complete and you don’t have to deal with anyone!

I haven’t used my car in over a month. The car has driven about 20 meters in the last 28 days and still cost me £110 to enjoy those 20 metres. This is one of my biggest monthly bills (after rent) and I’m not alone. MoneySuperMarket reported that the average cost of car insurance from March to May 2016 was £470, but Confused.com reported that it had risen to £827 in the last quarter of 2017.

Cheap Insurance Quotes

Cheap Insurance Quotes

If you want cheap car insurance, there are many insurance comparison sites that recommend moving house or replacing your car.

Computer Screenshot Of Price Comparison Website Money Supermarket.com

Great, thanks guys! I won’t trade houses or trade cars, but if you want to know what factors affect your price the most, check here.

I’ll use a live case study to show you how this works. The case study is mine! This is my starting point on the price comparison site Confused.com. This is a comprehensive quote from my 2002 BMW 330ci. I am 22 years old and have 2 years of no loss bonus. Some of you may be happy with the price, but for me it’s actually not that bad (my last renewal was over £1100…eek!).

The first clue here is to reject the notion that comprehensive is the most expensive. You need to try all options. Comprehensive, third party fire and theft, and third party only. Insurance companies have said that they assume you don’t care about your car and will charge more if you just choose a third party. But these days third-party fire and theft can also be a more expensive option than comprehensive.

For this company, you can see that third party fire and theft offers have suddenly added £572. It is also worth noting that some companies have disappeared from the TPF&T lists.

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But the cheapest for me was actually third-party Fire & Theft, and that’s where we come to our next important tip.

A “black box” is a small computer that plugs into your car and measures how you drive and transmits the information to your insurance provider.

A typical black box is about the size of a smartphone, usually needs to be installed under the dashboard, and consists of three main components:

Cheap Insurance Quotes

Box tracking starts when you start the vehicle and ends when you turn off the ignition. It analyzes a range of metrics based on how you drive, such as average speed, time spent driving, acceleration and deceleration, and cornering speed.

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As you can see this is a black box quote (indicated in the yellow bar below). It has been the cheapest ever. But if you’re against the idea of ​​a black box like me, don’t worry. Still, this quote is worth watching. If you click on the ‘more info’ button and then visit the insurance company’s website, you can remove the black box option and the offer will be recalculated.

This recalculated quote was still £40 cheaper than my original price and didn’t show up on the comparison site. To be honest, you’ll save around £200 if you go for black box insurance, but that means you’re missing out on cheaper options if you skip black box quotes from the start. will go.

But wait… For now, keep following these tips including black box quotes. We haven’t exhausted our savings, and if your lowest price at the end of the process is a black box offer, you can remove it.

Simply put, your cache is the information your browser stores to load your favorite websites faster. If you clear your cache or use Google’s incognito mode, it basically gives you a clean page to browse.

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When you visit an insurance company online, some small files are saved in your computer’s browser, allowing the insurer’s website to identify you as a returning visitor. With this information, the insurer knows that you have shown interest in their insurance in the past and can use this information to make a higher offer.

Clear cache between mod or insurance site visits. This way, you can browse the web without storing cookies on your computer, so the websites you visit don’t identify you as a frequent visitor.

I used incognito mode, opened a new account on baffle.com and my same quote was now £27 cheaper! Saving on something so small and simple is a real big win. I didn’t have to lie, worry or trade. I spent an extra 2 minutes and saved around £30.

Cheap Insurance Quotes

This is a big deal and it really caught me off guard. By changing the insurance start date (instead of today) to 2 weeks earlier, he saved a hundred and twenty pounds! And it was only £6 more than if I had made it just a week earlier.

Steps To Getting Cheap Car Insurance

Basically, if you bid to start on the same day, insurance companies know you’re desperate and take advantage of that. Take your quote a little further and you’ll likely make a fortune.

Another way to get cheap car insurance is to double check your mileage. It surprised me the first time I tried it, but it works.

If most of your driving is for commuting, you can calculate how many miles that is, double it for the return trip, then multiply by the number of days you drive in a year.

Limiting mileage can be an effective way to lower your insurance premiums. Again, it’s not worth lying because it’s relatively easy to verify.

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If you set your mileage at 1000 or 2000 miles per year, you will actually pay more. Insurance companies see you as a higher risk because you don’t have experience on the road.

Obviously don’t discount it by the number of miles you actually drive, but around 5,000 miles seems like the sweet spot, while anything over 12,000 miles is quite expensive. This means you don’t have to worry about the number of kilometers you drive. Win Win!

It may sound strange, but having an additional driver (called a driver) on your policy can significantly lower your car insurance quote.

Cheap Insurance Quotes

A designated driver is someone who is insured to drive your vehicle, even if you do most of the driving. When driving your vehicle, the designated driver will have the same protection as you.

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If not correct, don’t make them master drives, but add them as named drives and see if you get cheaper protection. The insurer will usually want to know the name, age, marital status, address and occupation of any additional drivers. You will also need to provide information about any accidents or motor vehicle convictions of your nominated driver. You can add one or more drivers to your existing car insurance or provide details when obtaining new coverage.

By adding additional drivers, the insurance company essentially sees that the risk is shared. So depending on the driver you add, it can lower the price. Fortunately, my father is quite old and has been driving longer than most people’s lives. Adding it to my policy reduced the premium by another £65.

To test the theory further, I decided to add another driver to the policy to see how it affects it. I decided to include my father’s partner, a 57-year-old woman with an older driver’s license than me.

I tried the trick of adding a third driver before but it didn’t work, but it was successful this time. Another £40 off the price.

Online Car Insurance Quotes Archives

Shopping around is an easy but effective way to get cheap car insurance because insurers rarely offer their best deals to existing customers.

To see if you can save money by switching insurers, keep car insurance quotes using price comparison websites.

Just remember to make sure you’re comparing like-for-like cover, at the same level with optional extras, and including any extras you’d normally add.

Cheap Insurance Quotes

You may have noticed that I have been referring to confused.com throughout this process. However, it’s worth using any comparison site, not just your preferred site. Although they use the same insurers, they ask different questions with different parameters and sometimes offer special deals. The price may vary as a result. As you can see here:

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Go Compare and Compare Market was £2.24 cheaper. MoneySupermarket made me £11.20. It’s not a huge amount but still worth it for an extra 5 minutes in my eyes.

Paying full year fee in advance,

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