Buying car insurance for new drivers can be daunting at times, as there is so much to take into consideration. But really, it’s all about understanding what you’re paying for. Whether you’re a new or experienced driver, here are three of the best ways to get the best car insurance deals:
1. Secure your car to secure your insurance price
One of the best ways to get the liability car insurance deals is to show the underwriters not just how safely you drive, but how safe and secure your car is. Make sure your car has a professionally fitted alarm and/or immobiliser and by parking in a safe spot, such as in a driveway or garage. Doing this will lower your risk, giving you much cheaper insurance.
2. Don’t pay more for add-ons
When buying car insurance, you’ll notice providers will try to sell you add-ons. However, sometimes the best insurance deals may require you to skip these add-ons because they’ll just add extra costs without any benefits. Think about if you need a courtesy car or legal cover. Breakdown cover can even be included on some bank accounts. You should also think about travel insurance which can cover excesses on rental cars while travelling.
No Claims Protection is actually a good add-on to have. It will keep your premiums low, even if there is an accident on the road, which is good in the long term.
3 Comprehensive over third-party
Many insurance providers have found that, statistically, those who take out third-party car insurance are more likely to make a claim. This means that they’ll drive up the price of third-party insurance even though it offers less cover than comprehensive. Those who choose comprehensive insurance are considered more responsible, and so the premiums can be much lower. This can be an excellent choice as you, your car and the third party will be covered, and you won’t be overpaying for the privilege.
Generally, you should compare providers to secure the best deal. Our dedicated team of specialists are here to help, so contact us today and we’ll help find you the best car insurance deal.