10 Smart Tips to Get Cheaper Car Insurance Quotes
10 Smart Tips to Get Cheaper Car Insurance Quotes
Your guide to saving money with effective strategies for cheaper car insurance quotes. Whether you’re searching for a personal policy or driving to work, including for our valued domestic cleaning clients at Dolly Char, these tips will help you find the best deal.
1. Time of Day Matters
Believe it or not, the time of day you search for car insurance can affect the price. Insurance quotes are often cheaper when searched during the evening or late at night (8 PM to 11 PM). This is when fewer people are online, and insurers may offer better rates during these off-peak hours.
2. Days of the Week and Month
Did you know that midweek searches (Tuesday to Thursday) often yield cheaper quotes? Avoid searching on weekends or Mondays when prices can be higher. Similarly, consider checking at the end of the month when insurers may offer more competitive deals to meet their sales quotas.
3. Use Incognito Mode (Private Browsing)
If you’re using the same comparison site repeatedly, insurers may hike up the price because it shows you’re keen or desperate. To avoid this, always clean your cookies or use incognito/private browsing mode. This way, it looks like you’re a new user and prices are less likely to increase.
4. Multiple Runs Can Influence Quotes
It’s smart to run quotes on different days and at various times. Keep in mind that checking quotes too often without cleaning cookies can result in higher prices. Refresh your browser, and don’t be afraid to check back a few times to catch a better deal.
5. Enter Your Renewal Date as Far Ahead as Possible
Getting quotes 21–30 days before your policy expires is ideal. If you leave it until the last minute, insurers may see it as a rushed decision and quote you higher. Start early to lock in the best rates.
6. Adjust Your Excess (Deductible)
Consider raising your voluntary excess to reduce your premium. Just make sure it’s an amount you can afford in the event of a claim. This can help lower your upfront costs, but ensure you’re comfortable with the trade-off.
7. Limit Unnecessary Add-Ons
Many comparison sites automatically include extras like breakdown cover, legal assistance, or a courtesy car. If you don’t need these, remove them to reduce your premium. It’s always worth double-checking what’s really necessary for your policy.
8. Tweak Your Job Title
Some job titles are seen as riskier than others. For example, “director” might yield a higher premium compared to “consultant” or “business manager.” Always be honest but try different variations of your job title to see if it affects the price of your quote.
9. Consider Adding an Experienced Driver
If possible, add a more experienced driver (like a parent or spouse) to your policy. As long as they have a clean driving record, this can sometimes lower your premium. Just make sure they don’t become the main driver unless they really are.
10. Annual Payment Over Monthly Instalments
Monthly payments might be easier to manage, but they often come with added interest or fees. If you can, pay your policy annually to avoid these extra costs. This can lead to significant savings in the long run.
Comparison Sites to try:
www.gocompare.com
www.comparethemarket.com
www.uswitch.com
Please note we are not affiliated to, nor do we profit from, any of the above comparison sites, we are simply providing a helpful reference. We take no responsibility for the content or security of the websites provided and are not responsible for ay financial decisions you make by visiting the websites we have linked to.
