Easy ways to cheaper quotes

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Whether you’re insuring a four-door saloon or a hot hatch, there are certain ploys that every individual seeking minimal outlay can use to their advantage. Remember to obtain quotes from as many insurers as possible; use several Comparison Sites and contact brokers who don’t appear on those sites individually in order to find the lowest possible price. Give insurers as much information as you can; it can take longer, but often a quote can be reduced when a more personalised risk calculation is undertaken. Don’t automatically renew with the same company; you’ll almost invariably find that the renewal price is higher than opting for a new provider. If you already have other cover in place, for example Critical Illness or a Home Contents policy, your existing broker may well give you a special offer price for purchasing a second product from them.

Watch your security

The relatively powerful engine and premium performance which many larger cars possess cause them to fall into a relatively high group. Whilst little can be done to alter this, ensuring that your vehicle isn’t modified in any way and putting in place additional security measures (post-factory fitted immobiliser, an intruder alarm or a dashboard camera, for example) can all help keep your policy price down. Parking in a garage or on private land might also have a beneficial impact on price. As your vehicle may well be used to carry expensive items such as bikes, surf boards, camping equipment or electronic gadgets, check that you have the right cover in place for these items in the event of theft or accidental damage. Whilst some may be protected by your House Contents Cover, even when outside the premises, others may require additional protection.

To conclude:

Whilst many of the considerations for insuring a powerful, high-performance saloon cheaply are the same as those for any other car, the unique status this vehicle has as the main form of transport for the household means it frequently requires a higher and more comprehensive level of cover than others. Taking into account the considerations given above can go a long way to driving down the insurance cost of the family motor, so why not begin looking now for an advantageous quote?

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