Written by: Brilliant Price
How to get a lower quote
Follow these tips to get cheap car insurance:
- Insurance Group: Get a low Insurance Group rated car, ideally a Group 1 car. The lower the group rating, the lower your insurance usually is. This is VERY important, especially for a new or young driver.
- Car Age: Get a car that is ideally less than 15 years old as this is often the cut off period for insurers when a car is considered a classic. The newer the better. A much older car won’t have modern safety & security features that the latest models have. Older cars can increase the risk and price, regardless of insurance group & car value.
- Licence Type: Get a full UK licence to reduce cost. Expect a price increase for an EU licence and a significant price increase for an international licence. Insurers are more interested in how experienced you are on UK roads.
- Named Driver: Add a NAMED driver to your policy who is older, experienced and has a clean UK licence. Do NOT add them as the main driver, this is called fronting and is illegal. Also try to avoid adding a named driver with convictions or previous claims. Adding multiple named drivers can sometimes cause the price to increase.
- Mileage: Keep your mileage to around 6k-10k miles. Too low or too high mileage may cause higher costs but always be honest.
- Policy Type: Opt for a telematics (Black Box) policy. For young drivers these policies are cheaper than non-telematics policies. However, telematics may get more expensive for older drivers aged 40+.
- Mods: Avoid modifications that affect the car’s performance or add to the aesthetics of the car - these mods will increase your insurance. However, adding security like an alarm, immobiliser or tracking device can help reduce cost. ALL mods must be declared on your policy.
- Monthly Payments for 17 Year Olds: You need to be 18 to enter into a credit agreement to qualify for monthly payments. If you are 17 then many insurers will not be able to quote for monthly payments. Some providers do have special arrangements for 17 year olds for monthly payments but not many and the cost may be expensive. Annual payment option often allows more insurers to quote.
- Pay Annually: Whatever your age, paying annually avoids you paying expensive interest fees as monthly payments are effectively a loan.
- Credit Rating/Score: Try to maintain a good credit rating as this can affect your ability to be offered monthly instalments. Some insurers may also refuse a quote or increase rates if your credit rating is poor or they cannot verify your details.
- Quote Timing: Get your quotes around 23 days BEFORE your actual start/renewal date. The closer you get to your start date, the higher the price often is.
- Voluntary Excess: Increase voluntary excess to lower your quote. But remember that you may need to pay this amount if you have a fault claim. Find a balance you are comfortable with.
- Quote Changes: Avoid making too many changes to a quote as sometimes prices can increase and some insurers may stop quoting if it's a comparison system. Instead, create a brand new quote.
- Be Honest: Trying to game the system by lying on your quote can end you up in all sorts of trouble. Being dishonest or not declaring information may be considered insurance fraud. These days insurers have sophisticated ways of finding things out including shared national databases and high-tech monitoring. Getting your policy cancelled or being prosecuted can result in you finding it very hard to get cheap cover in the future.
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