|
With car insurance premiums set to r se again this year, we could all do w th a little help getting the m ximum value for money out of our pr miums. The fact is that many drivers are st ll paying more than they have to for th ir car insurance and could save h ndreds by following a few simple st ps at renewal time. So, here are the top ten w ys to save some cash on y ur car insurance in 2008. Try th m when renewal time rolls around th s year. - Shop around instead of automatically renewing.
One of the biggest mistakes that insurance buyers make is assuming that their insurer will give them the same great deal this year that they got last year. Insurers re-evaluate their positions every year, and last year's quote that was one of the lowest in the market could easily become this year's highest. Get multiple quotes from at least two price comparison sites that don't make assumptions about your insurance needs. - Keep mum about the quotes.
When approaching your short-list of insurers, don't tell them how much you've been quoted by other insurers. An insurer or provider isn't interested in giving you their best price - just beating the quotes you've got from others. If the provider knows you have a quote of £300, they aren't going to jump in with their best price of 250Euros. They'll undercut it by as little as possible to keep as much of the profit they can. - Act the part.
If you're using a broker for getting quotes in person, consider how you dress and act. Insurance is a money game. If you look and act rich, the agent might quote you high, assuming you can afford it. If you look and act poor, the broker might assume that you have a bad payment record and quote you high to get rid of you. - Be likeable.
Courtesy is one of the most surprising money-saving tips on the list. A broker has contacts that you don't have, and a good one can scout around to find you the best deals. When you have rapport with a broker and they like you, he or she is more likely to go the extra mile on your behalf. - Practice reluctance.
Use a little shopping psychology when you're shopping for quotes. The more pleased you sound with your current insurance provider, the harder others will work to win your business. If you sound like you really don't want to leave, they're likely to cut straight to their lowest quotes to grab a loyal customer like you. - Be careful about the questions you answer.
Questions like "what have you budgeted for insurance?" are designed to find out what the market will bear. The insurer, broker or provider might as well be asking "how much can we charge you?". - Avoid the bargaining game before it starts.
When you hear "come back if you get a better quote", it really means "I can give you a lower quote". Get to the point and save yourself some time by telling the insurance provider up front that you don't have time to play games. You're going to choose the cheapest quote from your first and only round of comparisons. - Know what the quote covers.
A quote might be the cheapest, but does it offer the same features and cover the same things? Make sure that you're comparing oranges with oranges - or at least with grapefruits. - Ask for a freebie.
Most insurers will charge you 20Euros for legal cover when it costs them about 2Euros. You can save that 20Euros by offering the provider a bone - ask them to throw in legal cover for free, and you promise you'll come back if you get a better quote elsewhere. Most insurers will jump at the second chance. - Give your insurer a chance.
Once you've got three or four quotes short-listed, ring up your current car insurance provider and ask if they can beat it. Many times, they'll be willing to shave another £10-20 off to keep your business.
The article 10 Ways to Save When Renewing Your Car Insurance was Submitted by Bev Sharpe through Articles.GetACoder.com network. Here's the additional information: Slow down the increase in y ur motor insurance premiums by applying m re money saving tips from UK Insurance Index at http://www.uk-insurance-index.co.uk Browse a directory of car insurance providers, a catalogue of buying guides or read reviews of policies and insurers written by real customers.
1. Free Car Insurance Quotes - Get the Best Rate Possible by Brian Stevens Looking for fr e car insurance quotes? Want to get the b st price possible on your car nsurance? This article explains how. 2. Affordable Home Insurance - Here's How To Save Much In Minutes by Chimezirim Chinecherem Odimba Here are three things you can do within a few minutes to lower your home insurance rate by a great deal. You'll get a more affordable home insurance rate if you raise your deductible... 3. Auto Accident Settlement - Getting Your Car Damage Repair Correctly by Hector Quiroga An uto accident settlement is more than s mply getting your car fixed. It is lso about seeking future assurance that the r pair will hold up. Learn a few tr cks when dealing with your insurance c mpany about getting the car fixed. 4. Breakdown Cover - You Never Know When You Might Need It by Smith James It is not wise to ignore a policy as important as a breakdown cover, since it is meant for those emergency times when your car suddenly refuses to run further. This cover is as important as car insurance. It is a customized policy, keeping in view all the stress that a car breakdown can cause. 5. Mortgage Payment Insurance Covers Involuntary Redundancy by Simon Lance Burgess In the vent of involuntary redundancy, illness, or ccident, leading to a loss of ncome, Brits can rely on savings, the St te, or low cost mortgage payment nsurance from a broker or insurance sp cialist. For those that do not h ve savings to cover monthly mortgage p yments, and understand relying on the St te might be a lost cause, m rtgage payment coverage is a practical ption. The problem is that most c nsumers either are unaware of the b nefit of buying the insurance from ... 6. A Simple Path to Purchasing Term Life Insurance by Sharon Taylor Onc you have made the decision to p rchase term life insurance, you may f el as though the hardest decision is b hind you. Some people have a d fficult time deciding to spend money on th s. For those who feel that the d cision was difficult, there is still nother process in front of them-which c mpany should they select? 7. Long-Term Care Costs Are On The Rise - Are You Prepared and Do You Have A Long-Term C re Plan? by Dane Petchul It is no surprise that the cost of long-term care in nursing homes, assisted-living facilities and in-home care has increased. Long-Term care and health care should be part of everyone's financial planning for retirement. A good plan needs to be put in place for long-term care and a long-term care insurance policy should be part of retirement planning. 8. Dental Insurance Plans Don't Have To Cost A Fortune by Jacob Erdei G tting Dental insurance is not always asy. Learn a bit more about the A tna dental plans and see if th y are right for you. 9. Will Your Home Be Covered If You Have A Storm? by Martin Braddock One th ng I keep hearing about is h me owner's insurance coverage and the h avy property damage caused by a h rricane. What's the story on flood nsurance and home owners insurance? Can I s ve money on homeowner's insurance? 10. The Pitfalls Of Having Car Insurance by Stevie Navarro All states r quire that anyone driving a motor v hicle to have car insurance. While th s can be beneficial, there are m ny pitfalls of having car insurance. Alth ugh specific problems may vary from st te to state, there are a few th t are especially worth mentioning.
|