Get the right quote for you
To make sure you get the right level of cover for your needs at the best price, we've put together some top tips to bear in mind when looking at car insurance quotes.
Following these tips could mean you receive more discounts, and improve the security of your car.
Attention to detail
Try to answer every question accurately and in full when you get a car insurance quote.
Every insurer has different criteria for working out their prices and the extra information could add up to significant savings. For example, you might be charged less if your annual mileage is low.
Named drivers
Think carefully about your named drivers and only add them if you really need to. They might make your policy more expensive. Only add named drivers for as long as you need to – for example if you have a son away at university it may work out cheaper to only add him when he returns home for holidays.
Set a voluntary excess
Generally the higher you set your voluntary excess the cheaper your insurance, so check you have yours at the right level. It's important that you can comfortably afford your excess, so don't increase the amount if you would be out of pocket in the event of a claim. And remember there may be a compulsory excess to pay too.
Protect your no claims
Consider protecting your No Claims Discount if you can. Although there’s usually a charge to do this, it may save you money in the long run if you need to make a claim.
If you have 4 or more years no claims it’s easy to protect it with Virgin Car Insurance.
Keep on learning
Your premiums could also increase if your car has a large engine, is a sports model or if it has modifications to change its appearance or performance. It will also improve your confidence and give you more experience on the road.
Visit www.direct.gov.uk to find out more.
Time for a change?
If you’re buying a new car or thinking of making some changes to the one you have, remember certain features can increase the cost of your insurance.
If you car has a large engine, is a sports model or has modifications to change its appearance or increase its performance, this could increase the price of your premiums.
If you liked this, see our handy ways to cut the cost of motoring.
