Purchasing car insurance online: Purchasing insurance online is cheap and convenient, since you can save time and money by comparing quotes from multiple insurers at home. 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. 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.
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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. Can anyone beat that? Obviously car insurance covers you to drive your own vehicle that you have insured but some comprehensive policies insure you not the named drivers if you're driving the cars of your friends and family — with their permission, of course. Check with your insurer that you definitely have this extension of cover.
You may also be covered to drive hire cars too. However, if your comprehensive cover allows you to drive other vehicles, this is usually only up to the level of third-party coverage — so no theft or fire damage cover is provided. If you're the generous sort, you can add other drivers to your policy — known as named drivers — and they'll be covered to drive your car. Even if you're not generous, adding a second responsible driver can also help lower the cost of your cover.
If you drive your car outside the UK but within the EU eg, a day trip to France or other European countries such as Andorra, Liechtenstein, Norway and Switzerland, an EU directive means you'll automatically get third-party only cover, even if you don't tell your insurer.
This means you'll be driving legally but under the third-party extension of your policy, so your car won't be covered for damage or theft. This third-party cover applies even if you have comprehensive UK cover. But some policies come with full Europe-wide insurance, covering you across the Continent. If yours doesn't, call your insurer and give your dates of travel and the countries you'll visit or plan to pass through, even if it's only for a few hours to extend the policy cover, but there may be a charge. Our research shows some providers, including Direct Line, Churchill and Privilege, offer this free if you're only going for up to three days, but that's not a universal rule.
And don't forget about breakdown cover. If you have an accident and damage someone else's car but decide to cover the costs yourself, strictly speaking you should still tell your insurer about it. If you do have an accident and your insurer subsequently finds out about it, it could result in higher premiums regardless as the insurer will consider you more of a risk. In addition, a problem may arise if you have a second accident and it is found to be related to work undertaken for the first.
If any of your circumstances change it's important to tell your insurer. If you don't and then try to claim, even for an unrelated issue, your whole policy may be invalid. You should tell your insurer about any change, even if it's just your address. This is crucial as it reduces potential problems in the event of a claim. Trying to get insurance after you've had a policy cancelled is very difficult and expensive.
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A change in circumstances includes moving jobs, as insurers believe this can affect your risk. You may also save on insurance if you're in a stable relationship — for instance, living with a partner rather than being listed as single. And watch out for modifications. Most car insurance policies don't cover attaching a trailer as standard so double-check — some may charge you a slightly higher premium.
Insurers like less-risky policyholders and will reward you if you're able to go a long time without making a claim. So for every year you're claim-free your insurer usually gives you a discount at renewal. The more years you can go without making a claim, the larger the discount will be at renewal.
The more changes you make to your car, barring security ones, the more you're charged. Always tell your insurer about any modifications and whether you made them or not, or it may invalidate your policy a modification is anything that isn't part of the standard vehicle specification, including factory-fitted optional extras such as alloy wheels.
Even more savings are there for the taking if you can protect your vehicle by securing it. Fitting an alarm or immobiliser especially one approved by Thatcham will reduce the bill substantially. Comparison sites always assume you own the car you're trying to insure. However, many people drive a car owned by their employer, but have to insure and tax it themselves.
This means comparison sites, while useful for benchmarking prices, don't do the trick. First, try a couple of specialists, then see how prices from the comparisons stack up. Go through the quote process and it'll ask who owns the car. The quote you get will be based on this. This by no means translates to LV being the cheapest choice — but it's useful to get an idea of what you should be paying. Borrowing a friend's car for the weekend or need to hire a vehicle to move house?
It's possible to get temporary insurance for one to 28 days. Most insurers will cover drivers between the ages of 18 and 75 but some set the minimum age at You may also find it difficult to find cover if you have many points on your licence or a long history of claims. Telematics prices your premiums depending on how you drive. A device inside your car monitors your actions behind the wheel. So the better you drive, the less you pay for cover. Telematics policies have more aliases than a rap group. If you're looking at 'black box', 'smart box', 'pay-as-you-drive' or 'usage-based' insurance then you're looking at a telematics policy.
It works! It's not just a case of keeping your hands at 10 and two and shifting smoothly through the gears. Insurers will take the following into account:. In addition, you won't earn rewards if you don't drive responsibly. With insurance so expensive, any money back on your cover should be an incentive in itself. While your insurer will be following your driving closely, there are relatively few restrictions on when and where you drive.
Be careful when deciding your excess.
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The larger the excess, the cheaper the premium usually is, but a large excess may leave you out of pocket if you need to claim. The excess is the amount you pay towards any claims you make. The downside is having to shell out this amount in the event of a claim. Some comparison sites give gifts for every policy you take out.
Though remember, don't end up paying a higher premium than you need to because you're sucked in by the incentives on offer from one particular comparison site. Insurers use this information to help them calculate your premium. The less you drive, the cheaper your insurance so while you always need to give a genuine estimate to avoid committing fraud, it makes it doubly important not to overestimate as you'll also end up overpaying. The best method is to look at how much you've driven in the past using accurate data, and if your driving habits haven't changed, put the same figures down.
If they have, change the figure accordingly. The easiest ways to find out your history is by looking back at old MOT certificates or service documents where your mileage would have been recorded — just compare one year with the next for how far you've driven.
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Being a new driver doesn't always have to be expensive. You may even be able to fast-track your no-claims bonus. This can speed up how quickly you hit the big discount territory. First, you need to complain to your insurance company directly. The ombudsman is an independent adjudicator which will make the final decision on a claim if you are locked in a dispute with your insurer. Car Insurance. If you go through it, it can sometimes result in a payment or benefit to the site.
It's worth noting this means the third party used may be named on any credit agreements.
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For all the latest deals, guides and loopholes - join the 12m who get it. Got a car but hardly drive it? You still need insurance. Never auto-renew. Loyalty is expensive. Quick questions What will insurers charge me to stay?
How can I haggle? Don't assume third party is the cheapest. MoneySaver Daniel. Quick questions What's the difference between third-party and comprehensive cover? Knowing the difference between the three main types of car insurance is a must: 1. Should I get third-party or comprehensive cover? Got more than one car? Martin's rule of thumb:.
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If you have different renewal dates, this is how it works. Once your multi-car policy ends, all cars will then be up for renewal at the same time. How to compare prices. How multi-car insurers differ. When do I need to pay for additional car? Will you need to pay back any discount if additional car cancelled? Admiral At point of quote When you accept quote or when its cover is to start Yes plus admin fee Aviva When cover starts for extra car When its cover is to start No LV At point of quote When you accept quote or when its cover is to start No, but will get less discount at renewal.
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