Getting The Cheapest Car Insurance

Four Methods To Getting The Cheapest Car Insurance

Here, I have looked into and put together your 4 step self-help guide to ensuring you will get the cheapest car insurance on-line with minimal effort.

• Step 1:Reduce your risk category
• Step 2: Combine comparison sites for the best search
• Step 3: Get cashback and haggle
• Step 4: Bookmark next years renewal

Step 1: Getting the right cover

Insurance premiums vary depending on the insurer, the level of cover plus just how risky you're perceived to be. Therefore begin by defining the cover and making sure you’re as low a risk as possible.

Things often aren’t as clear-cut as you think, for instance counter logically fully comprehensive cover can be cheaper than third party policies, and so always verify.

Beware monthly repayment plans

Beware 'pay monthly' alternatives - generally the insurance company actually just loans you the annual cost and then charges interest at hideous rates on the top. So either pay the whole amount, or if you can't afford it, use a charge card which has a lower APR rate (or better still, a % debit card for spending ensuring your repayments are sufficient enough to clear it inside a yr.)

Tweaking your job description in order to save money

Insurance companies decide prices based on historic risk assessments, and your career plays a significant part in this.

Step 2: Correctly combine comparison sites

Comparison sites zip your details to hosts of insurers' and brokers' websites, scraping their data from the screens to report back the most cost effective. Yet because they don't all compare the identical websites, to maximise the spread of insurance quotes, you might want to combine them, so we've analysed the order that gets you the max. quotes in the min. time

The truly record breaking savings come from following the full 4 step plan; using the comparison web sites above then checking for hidden cashback as explained in step 3 and this can be in the £100s.

But also for a fast hit, 2 comparison websites offer £25 cashback automatically in case you compare then get yourself a policy through them. These sites include less insurance companies than those above but argue the cashback makes up for this. Both sites don't have a general promotion opt out so you are likely to get followup telephone calls as well as e-mail. The sites are:

Beatthatquote: You'll only get the cashback via special links like this, you won't get it direct, which usually you have to claim 60 days after choosing a policy.

MoneyExpert: This smaller site has set its default excess to £400 and includes some assumptions, so make sure check the quotes are good for you.

If you're following the full system, it's worth checking these websites anyway, as they add more than 20 or so providers on the comparisons above and provide you with a decent benchmark for the cashback available. Though only using these leaves you over fifty short of the two above.

Once you have found the cheapest

Once you’ve seen the cheapest from your screenscrapers; there's two important checks to make:

Double check the quotes

Click through to the insurance provider's own website to double check the quotes, as to improve searches some comparison sites make a few assumptions.

Examine the policy's coverage

Check whether it's appropriate. So if you need "free car hire" in case your vehicle is being repaired, will it be included? Plus while you’re there it is worth messing around with the policy details to see if you're able to finesse the price down; look at the excess, and whether adding drivers cuts the cost.

This tool by Find* allows you to check the coverage of two different polices side by side.

The top cashback deals

Once you know who your cheapest provider is, you need to check there aren’t any hidden cashback deals, these can be as high as £120. If your second or third cheapest quotes weren’t too much more expensive see if cashback’s available for them too and find the overall winner.

The step-by-step list below takes you through a variety of options to improve your deal.

Step 1: Check cashback websites

These sites carry paid links from some retailers and financial services providers; in other words if you click through them and get a product they get paid. They then give you some of this cash which means you get the same product, but a cut of its revenue.

Yet be warned, until it's in your bank account, this cashback is never 100% guaranteed, and getting the right policy is always paramount. Therefore never simply choose based only on cashback, see it as a potential added bonus once you’ve picked the right cover.

Those new to cashback sites, should ensure they read the Top Cashback Sites guide for pros and cons before using them. Otherwise use the Cashback Sites Maximiser tool to find the highest payer for each insurer.

Though beware if you've used comparison sites first, the cashback site may not track unless you clear your computers cookies. Further information on deleting or controlling cookies is available at AboutCookies.

Step 2: Get £25 cashback via comparison sites

If cashback sites don't list your insurer then comparison sites Beatthatquote* (only via special links like this, not direct) and MoneyExpert* both pay £25 cashback if you compare then get a policy via their sites.

Step 3: Check special deals

If you can’t get cashback it’s worth noting a few companies have special deals not mentioned by comparison services. These currently include (listed alphabetically):

Aviva: Buy Aviva* car insurance online and get a discount of up to 15%. While not that competative an offer, as Aviva isn't included in comparison sites it's worth getting a quote.

Beatthatquote, via Argos: Argos (which uses the Beatthatquote comparison) is giving a £30 giftcard for buying insurance via its site.

Be Wiser: Insurance broker Be Wiser* is giving free RAC membership for policies bought via its website.

Confused: There are two offers (one only can be given per policy) for buying via Confused, although you need to get a quote via its partner sites: 1000 Nectar points (worth £10); £20 Matalan voucher for Matalan reward card holders. The Matalan card is free but you need to buy the policy in one transactions, eg not save the quote to come back later.

Direct Line: Direct Line* has a '52 days free insurance' offer, equivalent to 14% off, for new customers until 30 June 2010.

TescoCompare: Buy your car insurance via TescoCompare* and you'll get a free lost key recovery service for 1 year (RRP £9.99). Read the terms and conditions.

Remember: Smart People Budget #insurance #carinsurance #compareinsurance #cheapinsurance ( http://www.budgetinsurance.com/Car-Insurance/ )

Can A Fiat Sceicento Wheelie?

Can A Fiat Sceicento Wheelie?


This is what I thought recently until I went to the MAP Autograss up in Stratford Upon Avon, where I got to see for myself how a Fiat Sceicento can wheelie off the start line, with so much power that unless you’ve got full control over the vehicle you’ll end up flipping it over at the first bend.

To watch these cars race around the track is one thing, but as you can see from the video on my blog at bloggingsocial.co.uk to spend thousands on a car without car insurance is something else.

These Fiat’s usually have twin 1000cc motorbike engines in them at the back of the car, with only a space frame at the front, so have little to no weight ratio frontend. They are rear wheel drive so all the power comes from behind the drivers seat and basically catapults the car every time the driver puts his or her foot on the accelerator.

My 1st Automotive Review

Will you buy a BMW or would you would choose an Audi? For many years they have both been competing against each other in order to be the best each of them have designed and built countless distinct cars all with different designs and every time try to be better then the other.

Both corporations have cars in every types of motorsport for BMW they've got the BMW 320si E90 in the British touring car championship which is being raced by 2 different teams.

Audi have racing history from the time of the Quattro rally car which became extremely popular with rally teams over the years as it dominated the rallying scene. The Quattro ended up being dominant in rallying winning the manufactures title twice and also winning various driver championships. This Audi acquired many victories over the years.

Unfortunately for BMW they have not won any major trophies in a few years however they are still a force to reckon with within the racing industry.

BMW have recently introduced the newest 5 series with several different models available there has to be something for you. The most powerful model has to be the 550i SE with 407bhp and with a 0-62mph time of 5 seconds. But that model only comes as petrol and the mpg is 27.2. But if I had my choice mainly down to fuel costs as well as car insurance prices currently I'd buy the 530d SE not quite as power full as the petrol no more than 245bhp and a 0-62 time of 6.3 but for mpg that is 44.8 it beats the 550 without even trying.

BMW have always been the company to go for to have the executive look along with style they have always been among the first to try new gadgets on there car and introduce the newest designs and technology. But I still find myself drawn towards the Audi's they have got much more style and very sleek designs there perhaps not on track with BMW for technology however for overall design and performance I will have to choose Audi.

What would you choose BMW or Audi?

Checkout Cargiant.co.uk to see the choice of quality used cars