7 tips to find cheap car insurance

I hate the time of year when its time to renew insurances. It is such a huge chunk of money to spend on something you can't tell you have and hopefully will never need but because it costs so much money it is so important to find the very best deal.

1. Check what you current insurance company is quoting for your 'renewal price'. It is always worth while ringing them and saying you are unhappy with the quote they have given then ask if there is any way it can be cheaper. It worked for me last year! Just for a quick 5 minute phone call I got £50 knocked off.

2. Check price comparison websites. My favourite to use is confused.com . It searches most of the top insurance companies as well as a lot of smaller ones who sometimes come up cheaper.

3. Once you have used the price comparison website and found the cheapest company for you, go on their own website and input your details again to see if it comes up cheaper that way.

4. Try adjusting your job title. For example, changing my partners job from 'forklift operator' to 'yard manager' knocked over £20 off! Both of these job positions are accurate for what he does by the way.

5. Try adding an additional driver on to your policy. When I first started driving I added my Mum on to my policy and it reduced the premium drastically.

6. Be realistic about your annual mileage. Last year we told the insurance company our annual mileage would be up to 12000. I checked and we only went 4500 miles! This year I have been more conservative and set it at 6000 which has reduced our premium again.

7. Go through a cashback website to actually purchase the insurance. My favourite is quidco.com . It is a very simple site to use compared to others I have tried out. This year I got £60 cashback just for clicking through their website to go on to the insurers! 

This year my renewal price came through at £386. Using the tools I have described above I have managed to knock that down to £303 with £60 cashback so effectively it will have cost us £243. A grand saving of £143! I will mention that this new quote was obtained from the exact same company that gave me the original renewal quote... but it seems they value new customers more so than existing customers and give them the best deal. 

Thanks for reading,
xx