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Getting cheap car insurance
A Guide to Getting Cheap Car Insurance:
Don't Pay a Premium Cost for Your Insurance!

Running any vehicle is expensive enough without paying over the odds for your insurance policy. The fact is that a lot of UK consumers do pay too much for their auto insurance without knowing it, as they tend not to shop around enough or don't have the experience to know which tips and tricks to use to find cheap car insurance. So, now you know that you should be looking for cheap car insurance you'll have to work out how to get it! This guide will help you understand how to cut down on your motor insurance costs whilst still getting the cover you need.



Top tips to consider when buying cheap car insurance:

  • Shop around. Don't fall foul of the most common motor insurance cost trap and buy the first auto insurance policy that looks OK to you. Make sure to look at as many cheap car insurance quotes as you can to get the best cost.

  • Look for extra discounts. A lot of auto insurance firms will give motor insurance discounts. Some, for example, may give you a discount if you buy online whilst others may give discounts to people aged over 50 or to people who have taken an advanced driving course.

  • Be theft aware. Make it hard for a car thief or vandal to steal or damage your car. This makes insurance companies feel a lot more comfortable that you won't be making a claim, and they'll be more likely to offer you cheap car insurance! So, fit alarms and anti-theft devices, try and garage your car, and tell the insurer that you have/are doing this to reduce motor insurance costs. You may find they cut the cost of the auto insurance premiums they quote you.

  • More is less. If you own more than one car, then you may be able to get a preferential premium cheap car insurance rate if you insure all of them with one auto insurance company.

  • Less is more. If you don't actually use your car that much, then you may actually qualify for a low mileage cheap car insurance rate.

  • Look at the bigger picture. Think about all the insurance policies you need. You may find that your home insurer will give you cheaper motor insurance rates if you go to them for a policy because you are already a customer.

  • Think ahead. If you haven't actually bought a car yet then think about the model you will buy as they will all attract different levels of auto insurance costs. Cars are put into 20 groups by the motor insurance industry - the higher the group number of a car the more it will cost to insure. Maybe moving down a motor insurance group could get you cheap car insurance?

  • Think about excess. The excess clause in any auto insurance policy is the amount of money you will have to pay when you put in a motor insurance claim before the insurer kicks in. So, if your auto insurance excess is £100 and you have an accident that causes £500 worth of damage then you will pay £100 and the insurer will pay £400. Go for as high an excess as you can as cheap car insurance policy costs will generally be lowered. You can also think about not taking up the option of a courtesy car unless this is essential to you as this will cut costs as well.

The vital thing to do when looking for cheap car insurance is to think smart. Shopping around can help you find the lowest general motor insurance costs, but the best cheap car insurance will be found if you learn to play the auto insurance game as well. To win the prize of the cheapest motor insurance you need to know and use the tips we've outlined; get these tips for cheap car insurance right and your auto insurance company will automatically give you the best motor insurance rates.

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