Get Car Insurance Online

When looking for cheap car insurance online it is important to follow a few guidelines to ensure you get the best deal. If you don’t follow set guidelines then it can mean that you end up paying over the odds or your car insurance. You don’t want that, especially the way the economy is at the moment, we are trying to save as much as we can to spend on everyday life. Here are a few tips to get you really cheap car insurance online. There are so many factors that affect your car insurance policy. So we have discussed some of them below and pointed out the main ones below.

1. Shop Around to get the Best Deal.

It is important when your car insurance is due for renewal that you shop around to get the best deal, don’t automatically think just because your current car insurer has given you a lower price than last year it is the best deal, absolutely not. Always shop around online and look for the best deal to get the cheapest car insurance deal online. Always double check the car insurance policy when shopping around and make sure you get like for like cover and that it offers the same protection that your current insurance does. Sometimes if you find cheaper policies they may not be the same like for like policy you currently has.

You can use an online car insurance comparison website to do most of the hard work for you. Simply put in all your details and check the cheapest prices that come up. You can usually alter all the details on the price comparison website such as mileage and excess.

2. Protect your No claims Bonus

This is by far the best way to cut your insurance policy price. If your looking for cheap car insurance online and have a few years no claims bonus it can make a huge difference in cutting your insurance premium. So always remember to protect your no claims bonus, so if you do have an accident you wont lose out on keeping the no claims bonus discount. It only really matters if it is you who is at fault in the accident, if your not at fault then it wont affect your no claims bonus.

3.  Don’t put everyone on your policy

Yes obviously, the more people you put on your policy then the more chance of your premiums increasing. So only put regular drivers on your policy that will actually drive the car. If you need to add someone on for a few days just do it for a few days rather than a full year.

4. Set your excess much higher

If you increase your voluntary excess then your insurance premium is likely to be lower. You will simply pay more towards the cost any accident repairs but this means your initial insurance premium will be lower. Be careful not to set the excess to high if you have a low value car.

5. Drive less miles

The less miles you drive the greater the saving. For example if your drive 15,000 miles a year. That is quite high and higher than the average of around 12,000 miles a year. If you cut your mileage down to just 8,000 miles a year, you are likely to save more money than if you drive 15,000 miles a year. Be honest about your mileage as if your not it could void your car insurance policy.

Remember to follow all these guidelines for cheap car insurance online. It is hard finding really cheap car insurance as insurers usually are around the same price, but by changing and tweaking a few things here and there and always being honest about your situation in your policy about your car you can find really cheap car insurance online.