How to save money on car insurance by knowing exactly what to look for you when you compare quotes online.

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If you understand the system properly you can get big savings by comparing car insurance quotes before applying for a policy.

Most people can £237 or more by shopping around , a comparison site worked out. But what do you need to know to make everything run smoothly?

This is our easy-to-follow guide to comparing car insurance quotes.

Cheapest cover is not the best cover

There’s one important thing to be clear about – when you compare car insurance quotes you’re not trying to get the cheapest policy. You’re trying to get the best price for the right policy for you.

Most car insurance comparison tools will have an easy way of showing which policies include extras such as courtesy cars, legal protection, key replacement and what the excess is. When you’re comparing policies, make sure you look at the insurers offering the protection you actually need.

 

Don’t be tempted to up the excess

While increasing your excess may make a policy cheaper, it can be risky. Never increase the excess to an amount you’d struggle to pay because you will need to stump that up before your insurer pays out.

 

Ring around other insurers

Not all insurers list themselves on price comparison websites, so you won’t be able to compare them in one go. But it can be worth ringing around or getting a quote directly from their websites, as they may be willing to offer you a better deal. You won’t find Direct Line, Aviva or Zurich via price comparison sites and they are three of the largest insurers.

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Add someone to the policy

It may seem unlikely, but adding an additional driver to your policy – especially if they are an older, more experienced motorist – can bring the cost of cover right down. Don’t make them the main driver if that isn’t true, but add them as a named driver and see if you’re offered cheaper cover.

 

Don’t let assumptions make an ass of you…

When you’re comparing car insurance an insurer will make certain assumptions – and it’s up to you to make sure these are correct.

Typically, for car insurance these include that you have never had a conviction and that your car has no modifications. Always read any small print so that you’re clear on what assumptions have been made, and ring your insurer to discuss if there’s an issue.

Leaving incorrect assumptions unchallenged could mean your cover isn’t valid.