When you are looking for car insurance quotes there are a few factors which you need to consider.
What should you consider when getting car insurance quotes?
- How long is the quote valid for?
- How long will your policy last?
- How much can I save by comparing?
- How many car insurance providers do you compare?
- What kinds of cover types are available?
- What are premiums and excess?
- Why is my car insurance getting more expensive?
- Why is car insurance more expensive for younger drivers?
These questions will help to guide you in terms of what you are looking for in a car insurance quote.
Here are a few tips you can use to get the best out of car insurance quotes:
The cheapest cover isn’t necessarily the best type of cover
When you are looking for car insurance, you need to make sure that the cover you get is what you need. The cover should also be affordable.
Don’t up your excess if you can’t afford to
If you can’t afford to pay too much excess, don’t offer to. Rather pay the higher premium, to avoid the chances of you defaulting.
Don’t only rely on what you see online. You can always call around to get better deals.
Add someone to the policy, especially if they are an older, more experienced motorist
This could go a long way towards getting you a lower premium, so compare various insurance companies to find out if this is a discount you may qualify for.
Get at least three quotes
One of the golden rules of buying insurance is that you need to compare three to five insurance quotes.
Use up-to-date information to account for life changes
If there are any changes in your life, such as marriage, you need to inform your insurance provider.
Compare coverages and limits
Consider potential for big discounts
Read the fine print