Main menu


Reed About Cheap Car Insurance 2020

Many struggle to pay for auto insurance as their incomes are damaged by coronaviruses. We have our regular tips for finding cheap auto insurance here, but we've also added a special section on the help your insurance company needs to give you if your income is affected by the coronavirus. However, if you're under 25, go to the Young Driver's Insurance Guide, which has designed profitable tips for you.

What is auto insurance?

Auto insurance coverage if your car is stolen, broken or has an accident. It also protects other road users if it damages your vehicle or property.

The cost - your insurance premium - depends on how much the risk insurance company thinks, that is, how likely it thinks it will make a claim. Young people who have just passed the test will pay more than those who can demonstrate that they have been accident free for years.

10 ways to cut car insurance costs

Did you know that the average driver faces an annual insurance premium of over £ 800? Here are our top tips that can save you £ 100 ...

How to buy cheap auto insurance

Even now that you know the basics of auto insurance, here are the steps you should take to make sure you find the lowest possible rate.

Step 1: Get quotes from multiple comparison sites

First, visit the comparison sites, where these sites send your data to various insurance companies and broker websites to find the cheapest prices. Since there is no single site that captures the entire market and prices vary, combining multiple sites is the best way to save. It's best to use all four, but if you don't have the time, we've arranged them according to the places that often offer the lowest prices so that you have the best chance of getting the best deal.

Struggling to get a cover?

If you have points on your license, have had an accident, or have been very demanding, you may find it difficult to obtain coverage.

If you get caught once for a crime like speed, you probably have three penalty points, but a hit shouldn't drastically change your risk profile. When you reach four or more points, you must change the way you behave.

Compare the listed comparison sites first, but if the premiums get too high again, consider hiring a broker (search the British Association of Insurance Brokers website to find a location).

Step 2: Get quotes from insurance companies that don't compare

Comparison sites allow you to quickly compare hundreds of insurance companies, but they don't take over the entire market because some large competitive insurance companies only offer their products directly.

So, compare the cheapest prices compared to the prices provided by the following insurance companies, which you won't find unless you go straight:
direct line

Step 3: check out special offers not found on comparison sites

If any of the service providers listed below are among the cheapest, use the links to buy and take advantage of special offers.

Step 4: once you find the cheapest rate try to negotiate for a bigger discount

There is no need to negotiate, especially if you want to try a new provider, but if you want to renew with the current insurance company, it is worth calling the phone to negotiate.

Once you follow the steps above and get the lowest overall rate, pick up the phone and negotiate. If your insurance company can exceed or match your best quote, it prevents you from changing the policy. If that doesn't work and you're still in the mood, get help from a broker.

Step 5: check if you can get a cash refund above the cheapest quote

Once you know the cheapest service provider, you should check the hidden money back offers. If your second or third price isn't much cheaper, see if a refund is available for them as well and find the overall winner.

Please note, however, that there is no guarantee that the price will be the same as the one that goes through the cash back site as it does on the comparison site, so be sure to check the cost carefully. Please note that the cash back comes from the cash back site, not the insurance company, so getting the cash back depends on proper online transaction tracking.

Things you should know before getting a refund.

Step 6: Finally, please review the policy carefully before purchasing

Once you find the cheapest rates, there are two more things