Online comparison shopping has taken off with a vengeance in the last few years. When it comes to finding cheap car insurance it has become one of the most popular ways to save money. Recent changes to legislation and two long cold winters have combined to raise the cost of car insurance for many drivers. By comparing car insurance quotes, however, many still find a deal to suit their pockets.
New regulations
New legislation to make it more difficult to escape detection for uninsured drivers may help to reduce premiums for drivers by an estimated £30 a year. If you have been risking driving without insurance now is the time to reconsider. The new system of partnership between the DVLA and insurance companies will make it possible for them to check records and fine cars that are taxed but not insured. Repeat offenders could have their cars confiscated. Other regulations are aimed at penalising careless and aggressive drivers.
Comparing comparison sites
When comparing car insurance quotes it is worth investing a little time and effort. Not all comparison sites compare all providers. Many sites will compare a good range but their list may be different from other comparison sites. This is where comparing the comparison sites come in. Though it may seem time consuming it can prove profitable to get quotes from a number of comparison sites - including smaller independent ones. Using this method you can maximise the 'spread' of your quotes and arrive at a more affordable figure.
Checking the details
When you compare car insurance quotes consider not only the cost of the three main levels of cover, but the benefits they offer. Whilst Fully Comprehensive insurance may seem expensive, the additional benefits that many policies include can add up to significant savings. Windscreen cover is standard in many cases, but breakdown and roadside assistance is often not included in the lower levels of cover. Adding the cost of different components of the cover together can often make "Fully Comp" pretty competitive.
Specialist deals
Depending on your age, gender, postcode or driving history you may find that you fall into a high risk category. Many insurance companies use generalisations to establish this type of category. If you have penalty points or are a young driver you can often save pounds if you buy your insurance from specialist providers. Those with modified cars, imported cars or vintage cars should shop around carefully using both mainstream comparison sites and specialist car insurance providers.
Comparison shopping is one of the best ways to reduce the cost of car insurance. To get the most affordable quotes try to use a number of different comparison sites - including those that offer a good range of specialist insurance for modified cars and young drivers.
No comments:
Post a Comment