Tag Archive | "car insurance quote"

Getting The Best Car Insurance Quote


Car insurance is a necessary evil that all drivers have to endure.  It is one of the most expensive aspects of running a car and insurance companies seem to try and hike their prices up on an ongoing basis.

When it comes to car insurance there is a whole host of factors taken into account when working out your premium.  Two people driving exactly the same cars can receive insurance quotes that are literally hundreds, or even thousands of pounds different.  The reason is because insurance companies don’t just take into account the car that you are driving but they also take into account many aspects of you and your history as well as where you live.

Because there are so many factors to take into account, by far the best way to get the best insurance quote nowadays is to use an online comparison site.  Gone are the days when a whole day would have to be put aside to phone up dozens of companies and go through a twenty minute question-and-answer session with each broker.  An insurance comparison site will instantly show you the best price for you, your car and your circumstances.

However, don’t stop there.  Many people opt to then simply go ahead, click on the cheapest quote and proceed to enter their credit card details.  If the insurance company with the cheapest quote isn’t an “Online only” company then do not proceed to the checkout, instead, get their phone number and then call them up as if you are asking for a quote for the first time.  Then when they ask if you have had any prices already try quoting a couple of prices cheaper than the cheapest price you saw on the comparison site.  You will be amazed how many insurance companies will drop their price to meet a competitor’s quote.  Sometimes they simply won’t be able to do it but if they can then there is every chance that they will!

The thing is that insurance companies want your business and the person on the end of the phone gets a small bonus for getting your business.  Their website however is non-negotiable and there is no real person there incentivised to get you onboard.  By speaking to a real person who is financially motivated to get your business you will find that if there is a way to drop the price then they will.

Sometimes this can mean a saving of just a few pounds, but at the end of the day a five minute phone call is worth a few pounds.  In other cases though you will be surprised at just how much you can save.  If you are one of the unlucky people who have a very expensive insurance premium due to the kind of car you drive or your driving history then it is possible to save literally hundreds of pounds on what was already the cheapest quote in the first place!

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