Top Tips To Get Cheap Car Insurance

We have put together useful tips to help you find cheap car insurance. It's only a guide but hopefully you will find somrthing useful to save you money on you car insurance.

• Search more than just one company. At City Insurance, because we deal with over Forty insurers, when you ask us to quote for your car insurance, we will compare premiums looking for the best deal and this will include many of our special schemes covering most circumstances.
• Start earning a no claims bonus in your own name is the better long term way to reduce you car insurance premiums. Quite often you will start with an introductory no claims bonus, with the first full year discount being around 30%, rising each year if you are claim free up to a maximum bonus of around 70% - Aim to protect your no claims bonus, this may cost a little extra but will save you money if a claim occurs because you won't lose your no claims bonus. More no claims bonus information
• If you don't have a no claims bonus, we have various schemes to match any no claims bonus you may have on an other car. We can allow large discounts for ex company car drivers equal to the lenth of driving you have had. Driving on someone else's car insurance policy can mean we can allow a similar no claims bonus to you as a named driver.
• You can volunteer to pay higher excess in the event of an insurance claim. This will reduce you premium marginally but ensure you are able to make the excess payment should a claim occur.
• Typically a smaller car with a small engine will be cheaper to insure. Older cars that have a lesser value from new can be cheaper to insure because the insurer may have less to pay out. Feel free to run various quotes through our web quote system. You do not need to enter a registration number to obtain quotes

• If you have recently passed your driving test you may wish to take the "Pass Plus traing programme" The DSA (Driving Standards Agency) have set up a The course is aimed at new young drivers assisting them with different driving skills, different weather conditions, night driving, Town driving etc. There are Six lesons leading to completion of the course and as well as being a more compatent driver various insurers will recognise the course and will allow larger discounts off car insurance. See more tips for new drivers, provisional licence holders and learner drivers
• Increase your car security by having an Approved (Thatcham) alarm/immobiliser fitted by a professional can reduce your premium by up to 10%. Factory fitted security may assist and is worth mentioning dependant on the insurer selected from our panel
• By keeping your car in a garage or off road parking may also invoke a further discount of up to around 5% opposed to "on road" parking
• Various insurer offerings we provide will allow discounts for lmileage that is limited and covered over the course of a year. The lower the declared mileage the higher the discount will be available. However do not be tempted to under estimate your mileage as this may lead to problems arising should you need to report an incident.

• Compare the cover you require, typically comprehensive will be more expensive but not always the case. With a low value car you may be happy with third party fire & theft cover as a cheaper alternative but some cover will be excluded, damage, windscreens and so on. Take advice from City Insurance Group.
• Restricting the drivers on your car insurance policy to "Insured" only or "Insured & Spouse" will typically allow a 10% to 15% discount. Many of our schemes will allow the same discount for "Common Law" relationships. Minimise the number of young drivers under twenty-five as some insurer will rate the premium on the Young Driver's age
• Modifications and changes made to your car may not only put your premium up but may not be acceptable to many insurers leading to future problems if undeclared. Some minor changes may not alter premiums materially, please check with us if you intend to carry out a modification.
• Asking us for Cheaper Car Insurance doesn't mean the policy will be cheap and cover will be limited. We only deal with leading approved insurers, take a look at what we offer below and get a cheap car insurance quote from us today!