How to Find Cheap Insurance Companies

How to Find Cheap Insurance Companies
By Ted Kripps

If you own a car then it is mandatory for you to have an insurance policy before you can go for a drive on the national road network. The actual cost of this cover can vary dramatically between firms. It is not unheard of for some drivers to end up paying two or three times the amount than is actually necessary. There are many factors which determine how much a premium costs. If you want to locate cheap insurance companies then you should take note of the following advice.

First of all don't bother with the yellow pages or other directories as a means of finding out information on insurers; today it is far easier and convenient to go online and use a search engine. Today any reputable insurer would have a website that can provide you with the option of filling out and submitting a form with all your relevant information.

Visit as many different sites as you possibly can. Set yourself at least an hour to browse the pages. Understand that the more time you spend in your search the better the overall results are going to be.

Compare the quotes that you are given from the different brokers and agents. Find out whether the risks covered are all the same. It can be helpful to consider different types of polices, for example basic liability as well as fully comprehensive.

You can bring down the value of the quotes by installing extra safety features in your vehicle; for example, automatic seatbelts, anti-theft devices, and alarms.

Though a six month policy may seem cheaper in the short term, the cost of two half yearly premiums would usually be a lot more than a single twelve month policy.

If the insurer asks for an estimate of your weekly mileage then do not be tempted to give a lower figure than what is actually true. This would not help you get a better deal, in fact you may end up being penalized.

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