With hundreds of companies now offering car insurance policies, it’s easier than ever to find a cheap deal - yet many people are too loyal, too apathetic or too confused to leave their current insurer. Here are a few quick and easy ways to make sure you save on your car insurance.

Shop online

Comparing prices online is the best way to find cheap car insurance. Comparison sites will find the cheapest deals for car insurance UK, by comparing insurers such as ASDA Finance and Cooperative Insurance, but bear in mind that each site will cover different insurers and brokers. The trick is to use a combination of sites – this way; you can cover up to 60 insurers and 60 brokers at speed. After finding the best and cheapest quote, check the website of the insurer to check that the policy is suitable for you. While doing this, it’s also worth playing with the policy details to see if you can get the price down.



Avoid Monthly Plans

Most insurers will offer you then option of paying monthly, and it can be tempting to avoid shelling out a large lump-sum. But a ‘pay monthly’ option generally means that the insurance company is loaning you the full premium and charging you incredibly high interest. The best bet, if you really can’t manage to pay off the annual sum in full, is to take out a credit card with 0% interest and then make the repayments to that.

Consider ‘Pay as you Go’

Insurers like Norwich Union and More Than offer pay-as-you-go comprehensive cover. This type of car insurance is aimed at young drivers or those who use their car relatively infrequently, and charges a fixed amount which depends on where and how much you drive, calculated by a free GPS device fitted to your car. If you drive less than 6,000 miles per year and rarely drive between 11pm and 6am then you may find you can save on pay-as-you-go.



Check for Special Offers

If you use a comparison service to find the cheapest car insurance, you may miss out on some of the special offers available. Bear in mind also that newer insurers offering cheap car insurance – such as Yes Insurance – may not feature on some comparison sites.



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