Price comparison websites are big news and using them to shop for things like car insurance can help you to net the best deal. If you want to compare car insurance you need to make sure that you’re looking for the right thing so follow these steps when using car insurance comparison sites.
Know exactly what you need
With so many different insurers and different types of insurance out there it can be difficult to know where to start when using car insurance comparison websites. Make sure you understand exactly what type of insurance you need or think you want before you start comparing.
If you look for basic insurance on any site you’ll find the cheapest quotes but in many cases the cheapest option is not the best one to choose. When it comes to getting your car on the road you want things to be as quick and convenient as possible so if you run into problems you won;t need to spend extra time and money updating your insurance.
Including named drivers on your insurance can make life easier because you never know when you might need someone to drive your car and if you have to buy one off insurance in order fro other drivers to use your vehicle it will be significantly more expensive.
When you choose comprehensive insurance you’ll be covered for all eventualities so you won;t have to worry about what you can and can’t do with your car.
Getting the cheapest car insurance
Whether you buy car insurance online or not there are still steps you can take to make your premiums cheaper. The type of car you drive will determine how much you pay to insure it so choose a cheaper, less powerful and more fuel efficient car if you want to keep costs down.
If you have good security features on your car like an immobiliser or an alarm system your insurance costs will be reduced and parking your car safely off the road in a garage or driveway will reduce your costs still further.
These days car insurers base some of their calculations on the number of miles you drive because the more you drive the more likely you are to have an accident or cause damage to your vehicle through wear and tear so make sure you have a rough idea of your mileage before you look at car insurance comparison websites.
The top way to keep car insurance costs down is by building up a no claims bonus so try to avoid making claims wherever possible. If your build your bonus for five years you can reduce insurance costs by up to half.
You could try increasing your excess if you want to get a lower quote but bear in mind that if repairs are needed you’ll have to pay more towards them and if you can’t afford to do that then it won’t matter what the costs of your monthly premiums are.