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How to get the best insurance price

June 25, 2020

Purchasing car insurance can sometimes leave you feeling like you’re out of pocket but it doesn’t have to be like that. How much you pay for your car insurance will depend on a variety of different things. Before you go making the ultimate purchase, check out these top tips on how to slash the cost.

 1. Pay annually

If you can, try and pay for your policy outright all in one go as this often tends to be cheaper. Generally, insurers will offer you two options on how you’d like to pay – a lump sum or monthly instalments. Although paying monthly might seem like a good idea as you’re able to spread the cost it can also sometimes make your insurance that little bit more expensive.

2. Pick the right job title

Believe it or not but your job title can actually affect the price of your car insurance. The rationale behind this being that your job affects your lifestyle, which affects how you drive. Therefore, your price may change, depending on which job title that you use when pricing up your insurance, Just try and be as accurate as you can as this will help to make sure that you’re getting the right level of cover.

3. Don’t just auto-renew

Your insurers will probably appreciate it if you stay loyal to them but just know that you don’t have to. And if truth be told, you’ll probably be paying more than you should if you did that. So just be aware that you might be able to find it cheaper elsewhere if you compare insurance policies.

4. Change the named drivers

You’re probably already aware of this, but for those who might not be, having other drivers on your insurance policy can sometimes bring the cost down. However, if the other driver is considered to be young, then the cost of your insurance policy may increase as they are considered to be of a high risk.

5. Cut the costs with a black box

A black box can help lower your insurance costs as well as how much and when exactly you’re driving your car. Generally aimed at young drivers, a black box is there to track your mileage, safety and other factors that may be laid out to you by the insurer. If you’re young and want to try and cut your insurance costs, then this could be for you.

6. Build up your no-claims bonus

For every year that you go without making a claim on your insurance, this adds to your no claims bonus. Therefore, the bonus you can rack up, the cheaper that your insurance could be. Maybe your car insurance is up for renewal but you’re also thinking about scrapping your car and getting yourself a new one, then why not let us help you to sell your car?

Whether you want to sell your car or scrap it for a fair price, then we’re here to help. Simply into our online valuation tool and we’ll provide you with a list of offers for your car.

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