The 6 secrets of cheap car insurance quotes
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Sometimes car insurance
premiums make sense. People living in places with more car crime or who
have more expensive cars pay more, for example. But they're far from
the only thing insurers up your premium for.
Insurers have gone
as far as working out surgeons normally have more accidents where they
were to blame than any other profession and building society clerks the
fewest. They know Virgos were worst for accidents last year, but
Pisceans had more convictions.
That means they will up your premium based on age, sex, job, post code and where you park park as well as what you drive.
But
car insurance providers don't have to have to have it all their own way
– we’ve found six ways to get cheaper car insurance that they’d really
rather you didn’t know.
1. Use the right job title
Phil Harris / Daily Mirror
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.
“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”.
Basically, if your job fits in more than one category, check car insurance quotes are for all of them before applying. For more on how your job affects your car insurance, check out GoCompare’s guide
. And if you’re a full time parent or retired make absolutely sure you
check that box and not “unemployed” – it could save you almost £300.
2. Add another more experienced driver to the policy
Caters
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 license and decent
no-claims history to your insurance.
3. Never leave it till the last minute
Getty
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 – with even
bigger savings available for younger drivers.
Oh, and make absolutely sure you do compare and switch – figures from Moneysupermarket.com show almost 6 million drivers just accept their auto-renewal quote – costing them £113 a year.
4. Get some cash back
PA
Comparison sites make money because when you switch products
with them they get a referral fee from the insurer. But if you’re
clever, you can get that money yourself.
Topcashback is offering up to £110.25 cashback when you switch through them. Once you’ve compared prices
and found which deal is cheapest, head over to one of them and see if
you can get an even better deal by switching through the cashback site.
5. 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.
6. Cut your extras and boost your excess
SWNS
What’s included in your car insurance quote? Breakdown cover?
Windscreen cover? Theft from the car? Driving abroad? Personal accident
cover? A courtesy car? Every extra adds to the premium. More than that,
a lot of them might already be covered by things like your travel
insurance, AA membership, home insurance or even your bank account.
Double
check you’re not double paying and then look to see if you really need
these extras. Oh, and you need to check how much excess there is on your
policy. This is how much you have to pay yourself when making a claim.
The lower the excess the higher the car insurance, so work out how what
you can afford to pay in the case of an accident and set your excess to
that – even £50 can make a difference.
And of course....
These will all lower your quote, but to pay less make sure you've compared car insurance providers too.
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