Ways to lower car insurance - compare quotes

Insurewith is the first site in the UK to use 100% independent data updated each month. This allows us to monitor more companies than anyone else on the internet. We are the only truly independent company showing you the buyer where you can compare quotes from your top three insurers. Companies position themselves via advertising into a specific category for example cheap car insurance for women. This is not always reflected in their pricing structure.

Insurance companies ask a lot of questions when you get a quote and these all have a bearing on your final price. However there are only a handful of key questions that they use as major rating factors. Insurewith uses these rating factors to show you your top three insurers that are most likely to give you cheap car insurance.

The key rating factors are:-

• Age
• Gender
• NCD
• Vehicle Group of your car

If you are aware of these major rating factors you can change them and lower your car insurance. Obviously you can not change your age and changing your gender would be drastic but the final two factors you can affect.

Protect your NCD
Protecting your NCD may cost you more in the short term but is worthwhile in the long run. As you build up your NCD you will very quickly get cheaper motor quotes. Once you have built up your NCD you don’t want to loose it if you have an accident.

Vehicle Group
The lower the insurance group of your car the more likely you are to get a cheap car insurance quote. Cars with a small engine size generally have lower vehicle groups. There are many guides out there that will let show you the insurance group of a car before you purchase it.

Another area that you have to be aware of when you compare quotes and buy car insurance are the policy excesses. This can be very confusing as companies display information in many different ways. Companies generally split their excesses up into two Compulsory and Voluntary. To work out the amount you would pay in an accident you have to add these figures together to get a total excess. Compulsory is the one you can not change and may vary depending on your age. Voluntary is the one you can change. Companies are normally flexible and allow you to set it from anything from £0 to £1000. If you are willing to pay more if you have an accident by putting your Voluntary excess up this will lower your premium. Make sure you take into account both of these excesses because if you do have an accident you will have to pay the combined excess.

To find the cheapest insurance use this cheaper motor insurance tool.  It gives you a clear comparison of insurance.