Insurers have gone as far as working
out surgeons normally have more accidents where they were to blame than any
other profession and building society clerks the fewest. They know Virgos were
worst for accidents last year, but Pisceans had more convictions.
That means they will up your premium
based on age, sex, job, post code and where you park park as well as what you
drive.
But car insurance providers don't
have to have to have it all their own way – we’ve found six ways to get cheaper
car insurance that they’d really rather you didn’t know.
1. Use the right job title
If you describe yourself as a “chef”
when filling in your car insurance application your average quote is £98 higher
than if you write “kitchen staff” comparison site GoCompare.com found – and it’s
not just cooks that have this problem.
“Music teachers” pay £86 more than
“teachers”, “office managers” pay more than “office administrators”, and
“construction workers” pay more than “builders” who – in turn – pay more than
“bricklayers”.
Driving home after a night shift
could be as dangerous as drink driving because of lack of sleep
The £16 gadget that saves you £100s
Man looking desperate talking on
mobile phone
When you CAN haggle with insurers
The one of a kind insurance perk
Basically, if your job fits in more
than one category, check car insurance quotes are for all of them before
applying. For more on how your job affects your car insurance, check out
GoCompare’s guide . And if you’re a full time parent or retired make absolutely
sure you check that box and not “unemployed” – it could save you almost £300.
2. Add another more experienced
driver to the policy
It’s a crime to say someone who isn’t
the main driver of a car is, but adding a secondary driver is perfectly legal -
and more than that, it can save you money.
Get their permission first, then add
an experienced driver with a clean driving license and decent no-claims history
to your insurance.
3. Never leave it till the last
minute
Searching around and switching car
insurance three weeks before your renewal date, rather than on the day, saves
you an average of £280, comparison site Comparethemarket found – with even
bigger savings available for younger drivers.
Oh, and make absolutely sure you do
compare and switch – figures from Moneysupermarket.com show almost 6 million
drivers just accept their auto-renewal quote – costing them £113 a year.
4. Get some cash back
Comparison sites make money because
when you switch products with them they get a referral fee from the insurer.
But if you’re clever, you can get that money yourself.
Topcashback is offering up to £110.25
cashback when you switch through them. Once you’ve compared prices and found
which deal is cheapest, head over to one of them and see if you can get an even
better deal by switching through the cashback site.
5. Pay up front
Did you know that many insurers
charge interest on your payments if you spread the cost over the year? Well,
they do. an average of £62 more Moneysupermarket worked out. So if at all
possible, pay up front.
6. Cut your extras and boost your
excess
What’s included in your car insurance
quote? Breakdown cover? Windscreen cover? Theft from the car? Driving abroad?
Personal accident cover? A courtesy car? Every extra adds to the premium. More
than that, a lot of them might already be covered by things like your travel
insurance, AA membership, home insurance or even your bank account.
sumber : mirror.co.uk
