The only downside is that you receive less guidance when choosing a car insurance policy, which could result in fewer discounts and less assistance if you have complex coverage needs.
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You should have a solid understanding of what you want covered under your auto insurance policy. As mentioned previously, this is generally attained by getting a copy of your existing coverage. To make sure you're receiving the best price, you should gather multiple quotes from insurance companies online for the same coverage types and limits. Car insurance companies, particularly those that let you purchase coverage online, have started offering features on their websites.
Many insurance companies also offer the ability to file a claim, enroll in automatic billing, receive monthly statements, and update policy information online. Features vary by company, so ask your potential car insurer about any online features that are important to you. There are other ways to save money on your car insurance that go beyond comparing quotes. Reach out to your current insurer and asking for a discount before you switch companies, if the change is based on cost. If your insurance company wants to retain you as a customer, the agents will be willing to work with you.
While that doesn't always work, here are some common alternative ways to reduce your car insurance costs:. Most insurers will not let you cancel your car insurance policy through their website, even if the policy was purchased online. You can cancel your insurance policy by calling, sending a letter or stopping by in-person at a physical location. Different insurers have varying policies on cancellation fees so you should call your insurance company prior to canceling. If you're canceling the policy and you've already paid the entire cost upfront then you may be entitled to a refund for a portion of the cost.
When canceling your insurance policy, you will want a written confirmation from your insurer. This is good practice so that you have written record of the event in case you continue to be charged for insurance fees past the expiration date of your policy. You'll also want to make sure that your new policy begins on or before the day that your existing coverage ends, so you'll be continuously insured and driving legally.
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- Get Cheap Car Insurance Quotes?
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Yes No. Find Insurers. How to Get Car Insurance Quotes Online When looking to purchase auto insurance online, evaluate your existing policy, if you have one. Whether you're going to be obtaining a quote from one insurer or multiple, here are the most common pieces of information you'll need to have in order to receive a quote: Address Date you want your coverage to begin.
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You get cover for your lead car to start in three weeks' time, car two to start in seven months and car three in 10 months. Cars two and three will stay insured with their existing insurer until their current policy ends, at which time they will move across to the multi-car policy, for the remainder of the year. If you want your multi-car cover for all your vehicles to start at the same time, it's simple, you'll just be given one total cost. For different start dates, you'll be given a total price to pay, which'll cover all the cars you just pay for however long each car is insured for , and you'll also be given an 'annual equivalent price', as if all the vehicles were insured for a full year, to help you compare against other providers.
As a general rule of thumb, yes, though it varies by provider. Some other insurers do simply give a reduction for each additional policy added, while keeping the policies separate. This can be an especially easy route if an insurer already covers one of your cars, so check the price when the second car's up for renewal.
If you're not already a customer, you can take out two policies in quick succession to get the discount. Sometimes it will work out cheaper to get individual policies for each car, rather than linking them.
Use our full comparison system for how to find the cheapest price. Thanks MSE. MoneySaver Suzanne. Here are seven quick tips on how to do it most effectively…. Car insurance is all about risk.
The three levels of cover
That's why it can work. If you're a high-risk driver and you add someone who is a much lower risk as a second or third driver, they can bring down the average risk and you may get a cheaper policy. This isn't just for young drivers. But of course, it's especially powerful for those with costlier insurance. The better the driving history and lower the risk, the more impact it should have. By law insurers can't discriminate over gender, but age, driving experience and history can make a difference. This is about trial and error, not logic. Your mum may increase the cost, your brother may cut it, or vice versa.
It's just a question of trying different quotes and seeing what happens.
Different insurers respond in different ways. One may cut your costs adding your uncle, another may increase them. The second driver should be someone who would reasonably drive your car. So don't add Lewis Hamilton, unless you happen to be related and even then racing drivers are likely to be a very high risk — but your mum, son, best mate or gran should be OK — as long as they would drive the car.
Never add someone as main driver if they're not. This is known in the industry as 'fronting', and is fraud. If you do it and are caught, you could face a conviction and your insurance will likely be invalid. Another quick win is tweaking your job description legitimately of course. An illustrator is often cheaper than an artist, an editor than a journalist, a PA than a secretary.
Remember, never lie, as this would be considered fraudulent. Crazy world isn't it? If you don't have a job, you face a potential fivefold jump in insurance costs by declaring you're unemployed. If that's you, say so to avoid a hike in costs. However, only enter homemaker if you're genuinely not seeking work or receiving benefits that require you to seek work. Otherwise, it's fraud. A monthly payment plan for your insurance is essentially a high-interest loan. If paying by credit card, check if the insurer or provider charges a fee for doing so — though the fee is usually less than the interest charged on monthly instalments.
Don't assume switching is only for those at renewal. This is very important when prices are rising, as they are this year. You may find switching early saves anyway, especially if you didn't follow our full cost-cutting system in the past. There are three points to consider when doing this:. For many, it will still be a worthwhile move. Here are a couple of case studies to inspire you Insurers usually send out notifications at least 21 days before renewal.
Cheap Car Insurance Quotes Online: It’s Fast & Easy
This doesn't leave much time, and you could end up rushing to find a cheaper price. The following are just some of the cancellation fees charged by insurers if you cancel cover outside the day 'cooling-off period' and if you've not made any claims during the current year. Being on the electoral roll is not just about being registered to vote — it can also make a difference to your insurance premium. Insurers such as Aviva, Direct Line, Churchill, Privilege, Co-op, Zurich and Endsleigh have confirmed that they use the electoral roll as part of the ID-checking process to combat fraud.
Not being on the electoral roll, or having incorrect information registered, makes it more difficult for insurers to identify you, so they'll probably give you a higher quote or simply not offer cover. If you're not already on the electoral roll, it's straightforward to do. You can pay a small fee to protect your no-claims discount, meaning you can retain your discount even if you claim. It is worth considering, especially if you have a history of making claims. However, an accident is still likely to see your premium rise, regardless of the impact of your discount.
Insurers often try to sell you additional products such as windscreen or breakdown cover. Avoid buying these if you don't need them and, if you do, always check out the cost of the cover individually first.
Cheap Car Insurance Online: How to Find It
Many insurers make a large mark-up by selling add-ons at higher rates than you can get elsewhere. So now you know the basics of car insurance, here are the steps you need to follow to ensure you find the cheapest price possible. You must be completely honest or it could invalidate your insurance and even lead to prosecution. Firstly, visit the comparison sites as these zip your details off to a number of insurers' and brokers' websites to find the cheapest quotes. As no single site captures the entire market and prices vary, combining a number of sites is the best way to make a saving.
It's best to use all four, but if you don't have time, we've ranked them in order of the sites that most often return the cheapest quotes so you've the best chance of bagging the top deal. When ranking comparisons, we want to get you to use the best ones as quickly as possible. We focus principally on price, as depending on who you are, you can get cheaper quotes on different comparison sites.
However, we also factor in 'softer' features to assess the quality of each. Ranking on price We analysed the prices of a large range of insurance quotes given by Compare The Market, Confused. Get a quote from MoneySupermarket and Confused.