19 December, 2018

Top tips to get cheaper car insurance in 2019

When it comes to finding cheap car insurance, it can be quite difficult to locate the best deals. After all, insurers can throw a lot of complicated deals at you, and navigating your way through them to find the best deal can be tricky.

Your insurance should be as personalised as your thumbprint. It must protect your car against any vulnerabilities and also accommodate you on any potential journey. However, to obtain this sort of deal, you may need a lot of money to afford it.

If you are looking to save money on your car insurance in 2019, here are the best ways to do this.

Compare and compare again

As there are a lot of insurers readily available to give quotes on the internet, you should always utilise your search engine to try and find as many quotes as possible. You may find that while some quotes may be cheaper, they will not offer the same amount of cover that you need to feel fully safe while driving on the road.

Therefore, when phoning us on 0333 003 3270 to receive a quote, be specific about what you really need in an insurance policy. This way, you can ensure that your quote is completely personalised around your daily journey and what insurance coverage you need.

It is also a great way to discard any coverage that you do not think will be useful to you, though only be sure to do this if you think you can genuinely forgo it. By not paying for certain levels of coverage, you may find that you can get a cheaper quote for your car insurance.

Carefully consider how to pay for your policy

If you are looking for car insurance in 2019, you may want to consider buying it during a holiday season. Like many other companies, insurance companies are ready to offer you seasonal deals that may be cheaper than a normal premium quote.

Another way of saving on your insurance is to pay for it in a yearly instalment instead of in monthly payments. While this may present you with a problem if you end up finding a better insurer in the future, it may mean that can receive a discount, as you have paid the full amount right at the start.

Keep your car safe

One of the main ways that you can find cheaper car insurance is by safeguarding your car from any potential thieves or carjackers. Your insurers want to see that your vehicle is fully secure and that there are no vulnerabilities that could be a potential hazard.

Interestingly, autonomous cars – otherwise known as self-driving cars – could become available in 2019 and present updated security through Bluetooth and keyless entry. However, if you leave your car out in an unsafe environment or forget to lock it, then your insurers may raise your premiums to protect themselves in case you eventually need to make a claim.

In 2018, a survey revealed a recent increase of more than 30% in the number of cars stolen, this being rounded to the approximate number of 100,000 car thefts being reported in 2017 and 2018. Experts responsible for carrying out this survey believed that this increase was due to criminals understanding the latest car security and how to enter the vehicle without alerting it.

This is why it is crucial to have a car with good security to avoid the risk of a high insurance premium. Always be sure to park your car in a garage or in a secure area, and always remember to lock all of your doors. Cars can now also be fitted with trackers, just in case your car is stolen and you need to locate its position once you have phoned the police.

With the newest technology of key card security being used instead of keys to open the door, as well as a coded box now necessary for hiding your ignition keys, the more security your car has, the more likely that you will receive a less costly premium as a result. For this reason, if you are looking for a new car in 2019, you should be sure that it has had all the latest security installed in it.

Experience matters

Although it is unfair to have a bias against certain drivers, unfortunately, a lot of insurers will take the experience of the driver into account, whether or not they have made any previous claims or have a clean driving record.

If you are a young driver between the ages of 17 and 25, then you will most likely find that you are offered a higher insurance premium than someone who is older than you.

These high premiums are due to the insurer not yet having enough information about the driver on the road to be able to confidently sell them insurance. If this driver eventually has an accident or needs to make a claim due to their inexperience on the road, then this could lead to the insurer losing money.

Unfortunately, the insurer might also readily agree with the perception that youths are far more negligent than someone who is older – and, thus, likelier to have their car stolen or broken into. This is why your own car insurance may end up costing much more than any initial quote you have found online.

One way to save on your car insurance policy, despite your age, is to enrol on the UK Government’s Pass Plus scheme. This is a scheme offered to new and older drivers to enable them to expand on their driving experience once they have passed their test.

This scheme will give you the opportunity to have additional lessons with a driving instructor and, in this way, make yourself more confident on the road. If you pass this scheme, then your insurer may be willing to offer you a discount out of a newly gained confidence that you will be able to drive more safely than before – and, thus, will also be less likely to make an insurance claim.

Multiple drivers

It is common to have more than one person sharing a car insurance policy. If you seek insurance for a family or work vehicle to be used by multiple drivers, then it is always best to exercise caution before you place everyone’s name on the policy.

Your insurer will look into the backgrounds of all of the drivers on the policy, as well as their jobs and driving records, to see if they lead stressful lives that could cause an accident or whether they have made a claim in the past.

If it is necessary for your own insurance policy to cover multiple drivers, then always ensure that only regular drivers of the vehicle are permanently placed on your policy. That way, your insurers will only see the drivers who will mainly use the vehicle and base their decision on them.

If other colleagues, friends or family members really need to temporarily use your vehicle, then you can simply add those people to the policy for a few days.

No claims bonus protection

If you are have been driving your car for 5 years or more and have not been involved in any sort of accident or have needed cover, then your insurer may be willing to offer you a no claims bonus. This is a reward where, if you need to make a claim, your policy will not rise or you may be offered a cheaper deal than other clients.

This depends on the insurer, which is why you need to make sure that this claim is completely protected. You can do this by investing in no claims bonus protection insurance. This means that, even if the policies of your insurer change or this insurer starts to change the different premiums that are offered, your no claims bonus will remain completely the same.

Consider your car

It is always exciting to buy a new car, but if you are looking for one in the new year, did you know that the type of model you get could affect your insurance policy?

Each car is assigned an insurance group from a range numbered from 1 to 50. The higher the car’s cost, the more likely that its insurance group will be in the top 5, though cheaper insurance models tend to fall into the groups of 10 to 50.

If you are interested in learning more about these groups, then feel free to look up your desired vehicle and then compare its pricing and features to those belonging to other vehicles within the groups for which you would like to aim. You can also talk to different insurers about the different groups and whether or not your vehicle would fall into the intended category.

Don’t be scared to barter with your insurer about the price; after all, if they decline, then there will always a be a different insurer with which you can try again.

Expensive vehicles

As mentioned previously, some vehicles can come with a higher cost for insurance. If you are forgoing a standard car in favour of a modified or hybrid vehicle instead, you may require a different insurance policy in order to keep the latter fully protected.

Some insurers may charge more for this insurance, as the replacement parts that are needed in any claim may only be available from a private mechanic and so may need to be fitted by a specialist.

In addition to this, any modified parts of your car may cause more of a hazard to the road. They have not been created by a standardised company, so the insurer cannot be certain about the extent to which these parts could lead the vehicle to break down or cause an accident.

For instance, if you decide to lower the height of your car, you may not be used to being seated so near the ground – and, hence, may have problems with looking out of the window (due to its perspective) or may struggle to fully handle your steering wheel or the car pedals. Your insurer may raise the cost of your insurance to account for these risks.

If you are interested in a performance upgrade, then buying a hybrid or modified vehicle can be fantastic for helping you to get around your city. However, you should be aware of the financial impact that this vehicle may have on your insurance premiums.

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