Discount Car Insurance UK

Discount Car Insurance UK

If you are trying to get discount car insurance UK, there are certain things you should know about regarding what to look for and what options are available to you.

Whether you're attempting to get your very first auto insurance policy in the UK or just looking for a better price upon renewal, there are a number of discounts you may be eligible to receive.

Before considering possible discounts, you'll need to make a decision about what it is you need to be comfortable and secure in your insurance coverage.

Decide if you want a Third Party Only, Third Party - Fire and Theft, or Fully Comprehensive policy.

Consider what kind of excess you can handle, remembering that the higher the excess you assume, the lower your premiums will be.

Determine whether you need any of the extra coverage options, like legal defense, breakdowns, courtesy car, etc.

These decisions will each make a significant difference in the final price of your UK discount auto insurance coverage.

UK Car Insurance Discounts

Once you have your details sorted and confirmed, that's the time to start checking into discount car insurance UK options. These are some of the options you may be eligible to take advantage of...

  • Shop Around - One of the best ways to find discounts is to shop around.The field of insurance is very competitive, so you can almost play the companies against each other to get discounts and the best price.

  • No Claims Bonus - Every year that passes that you have insurance and don't make a claim, you are eligible for a no claims bonus. The more years you accumulate, the greater your discount. It varies from company to company, but you can save up to 75% by having more than five years of no claims.

  • Annual Payments - You will get a better price if you pay your premium in one lump sum for the year. They may offer your quarterly or monthly payment plans, but you will pay a higher rate and interest. If you absolutely do not have the money up front, consider putting the charge on a low interest credit card. That can often be cheaper than the interest and fees the insurance company is offering.

  • Additional Vehicles - Most insurers will offer you a discount for insurer a second car with them. If you plan to cover more than one vehicle, ask about a discount.

  • Loyalty Bonus - Sometimes you can get a bonus for sticking with your insurance company for the long haul. If you feel you can get a better deal elsewhere, talk to your agent and ask them if they can offer you a loyalty discount so that you don't have to change insurers.

  • Pass Plus - For young or new drivers with no driving history or no claims bonus, it is a benefit to take the Pass Plus course. You will attend 6 modules teaching such things as driving in bad weather, night driving, and driving in the city. If you have a certificate of completion, you can get a discount from some insurers that honor this benefit. This is only something you can take advantage of within 12 months of passing your drivers test.

You can really save a lot of money with discount car insurance UK. Why shouldn't you? Make the effort and get the best price possible. Good luck!

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