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Changing car insurance policies has become an increasingly popular activity among the financially frugal with research from a comparison website showing that price is the key factor for 71 per cent of people who have changed their policies in the last 12 months. So how can you find a cheap deal fast?
When shopping around the first step is to make sure you know what type of cover you want. In the UK, there are three types of car insurance cover available:
-- Third party only: This is the most basic form of car insurance and covers injuries to others, damage to their property, as well as accidents caused by passengers.
-- Third party fire and theft: Basically the same as third party only cover but with additional coverage if your vehicle is stolen or suffers fire damage.
-- Comprehensive cover: A more complete form of car insurance that can protect your expenses if you are involved in an accident and may offer additional options such as vandalism cover, accidental damage cover, etc.
Most drivers will opt for comprehensive cover because it is the most complete coverage available. However, if you drive a cheap car you may be better off with a third party policy. Also think about the type of driver you are. There are several specialists that offer reduced premiums and unique cover options to new drivers; women drivers; over 50s; and drivers of high performance cars.
Think too about how you can save cash on your car insurance premiums. Providers will reward you if you reduce your risk level. This can be done by enhancing the security of your car - such as by fitting an alarm or parking in a garage at night; improving your own driving, such as by taking a Pass Plus course; and increasing the voluntary excess.