Quote Select premium tips

Follow our tips below and make sure that you get the lowest quote for car insurance premiums that you possibly can.

• Make sure that you don’t just accept the first car insurance quote that you come across. Check a few different providers and see how their prices vary.
• Third party insurance might be the best option if you have a cheap or old car as otherwise the premiums could exceed the replacement cost of the vehicle.
• If you are planning to drive abroad then speak to your insurer about the need for additional cover.
• Female drivers are statistically less likely to have as severe accidents as men and as such can benefit from lower premiums.
• Buying online is usually less expensive as the providers have lower overheads.
• Minimise the number of named drivers on your policy as these will increase your car insurance costs.
• If your annual mileage falls under a certain level then your car insurance will be reduced. It stands to reason that you should pay less if you are on the road for a smaller amount of time.
• Be wary of cancelling you car insurance halfway through a year as it is only full years that count towards your no claims bonus.
• If you have more than one car then try to insure them all with the same company as this way you can often earn reductions on your premiums.
• Setting your voluntary level of excess as high as you can reasonably afford it to be will significantly reduce your premium costs.
• Think twice before you make a claim as this will mean that you lose your valuable no claims bonus, whether the accident was your fault or not.
• If you are a driver over 50 years of age then your experience should be rewarded with cheaper car insurance. Speak to your insurer if you are not receiving a reduction on your premiums.
• If you have a garage or a gated drive then car insurers will reward you with cheaper car insurance premiums.
• Security devices can help to knock your premiums right down. Read more in our car security guide.
  
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