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Rather than immediately renew your policy with the same insurer, it is a good idea to start looking at the different options available to you in the hope you’ll find the right policy for your car, for less money.
One of the most important things to remember is, do not leave renewing your policy until the last minute. This will only put you under pressure, and you may not have enough time to shop around properly. Many policies will purposely notify you quite near to the time your policy needs to be renewed in the hope that you won’t look elsewhere, so it’s well worth keeping note of when your policy is due to expire and acting upon it in plenty of time.
Shopping around is the key to finding the right policy to suit all your needs and requirements. Visit popular comparison websites online such as Comparethemarket.com and Moneysupermarket.com in order to obtain reliable quotations on the different policies available at the time and their cost. When you come to inserting the relevant information on the comparison websites, make sure you don’t opt for cover which you don’t need. For example, do you need free legal assistance or breakdown cover? You may find you’re covered by your employer or your partner’s policy for these areas, so it’s well worth checking first.
Keeping your excess at a reasonable amount is also recommended. The excess is the contribution you will have to make towards any claim which you make. It may sound attractive to have £0 excess but it will cost you a lot of money to maintain and you may never need to make a claim. Keeping your excess at around £200 is a sensible amount and should offer you some reasonably priced policies.
Don’t forget to contact your existing insurer too – as an existing customer who is thinking of leaving, give them the opportunity to match a rate you have found from an insurer elsewhere. It’s well worth a try! And remember that some of the largest car insurers such as Direct Line and the AA car insurance do not advertise on comparison websites, so you’ll need to contact them directly to obtain a quote.
Finally, paying for your new car insurance policy in full is wise if you can afford it. Most insurers will give you the option to pay monthly which is attractive if the cost is quite high, however, you’ll also be expected to pay a certain amount of interest on the money you owe, which in some cases can amount to almost a quarter of the initial policy. Paying for your policy using a 0% interest credit card instead might work out a better option as you can still spread out your payments but you’ll have no additional interest to pay back.