Our InsureAnts leave no stone, leaf or tasty big lump of sugar unturned to help you unearth some great deals. When you compare cheap car insurance quotes, you will need to consider what type of cover you want. The three main types are fully comprehensive, third party and third party fire and theft.
Fully comprehensive will usually cost you more than the other two, but will give you the best cover. You’ll be fully covered against injuries and damage to you, your car, other drivers and their cars in the event of an accident.
There are a range of other benefits that often come with being ‘fully comp’ such as replacement of broken windows, repairs to your car through accidental damage and theft, whether that by the car itself or things inside it like your car stereo system. Check with your policy provider for more details of the benefits included in your policy.
Third party is the cheapest, but offers the least cover. If you are involved in an accident, it will only cover the other driver and their car and any other property that is damaged, while third party first and theft will give you added protection against, well, fire and theft of course.
These are the budget options and may be considered risky, but if you are confident you can avoid any major accidents, it may be the one for you.
A lot of things can dictate what policy you take out – your budget, your age, the type of car you drive and what you use it for. But don’t worry if it all seems a bit much to take on board in one go. Just fill in your details in the easy quote form provided, and you’ll be given loads of quotes to suit your needs. The quotes are set out in an easy to understand manner, showing you things that will suit you best in a cheap car insurance policy.
Brilly’s Car Insurance Guide – Some Handy Tips
When you are comparing quotes, you should consider these handy tips from insurance experts:
Look at the cost of the policy carefully. If there is an option to pay monthly, you may end up paying more because of interest charges. If you can, try and pay the premium up front – it could save you even more money in the long run.
Think carefully about what occupation you put down in your quote form. Some jobs mean higher premiums, so you may have to be a bit creative with your job description. Most insurers offer a huge choice of job titles, so pick one that closely describes your job, but which won’t lead to a hefty premium.
Our InsureAnts love finding the cheapest car insurance, so don’t worry about working them too hard. Here’s a handy tip which can keep you on top of the very latest deals:
Alright, try these little nuggets:
Mileage – Think about all the miles you will cover in a year. Okay, so it’s probably a lot. Try thinking about how many miles you drive in a month and multiply it by 12. If you overestimate this number or you are rubbish at maths, you could end up spending too much on your car insurance.
Excess – No this isn’t about eating too much, it’s the amount of money you have to pay your prvider if you make a claim. A higher excess will give you cheaper cover, but that can be risky because it means you’ll end up paying out a lot of money if something does go wrong. Try to get the balance right by thinking about how much you would be prepared to pay towards repairs or a new car.