No matter what car you drive, always compare insurance quotes for your vehicle from different providers. If you’re trying to find cheaper vehicle insurance quotes, you’re not alone. In fact, finding cheaper car insurance has become a big business, and these days there are dozens of comparison websites and similar services, all designed to help you find cheap insurance quotes. However, is it really possible to find significantly cheaper car insurance quotes than average? Well, the answer is: of course!

With this in mind, we will share several tips that many people have proved to provide lower auto insurance quotes, so let’s get started.

Tip 1 – Increase your excess payments

Whenever you’re applying for a new car insurance quote, one of the biggest controls you have is the amount of voluntary excess you’re willing to pay. As a basic rule, the more excess you’re willing to pay, the lower your premium is likely to be.

Fortunately, this is easier than ever to test further because many car insurance comparison websites provide tools that allow you to compare the differences that changing your excess can make. It goes without saying that experimenting with the different levels of voluntary excess is a great way to get a true sense of the available deals.

Obviously, you may be taking a risk if you decide to raise your excess by too much, but there are significant savings to be had if you’re comfortable with a bigger excess than before.

Tip 2 – Use those comparison websites

If you’re looking to find the best deals, it’s well worth getting quotes from a wide range of services. Of course, this can take a long time if you’re going to apply for each service individually. Still, by taking advantage of one of the many modern car insurance comparison websites available online like Citizens Insurance website, there’s never been an easier way to find a wide range of quotes to suit your needs.

What’s more, many of these comparison websites can also give you special discount codes and coupons to reduce the price even further.

Tip 3 – Get a basic package

When it comes to car insurance quotes, it’s safe to say there’s a wide variety of different packages available these days. However, if you’re looking to get a cheap quote, it’s best to pick one of the most basic, ‘no-frills’ packages available.

Of course, it’s always nice to have the additional perks, such as windscreen cover or legal expenses cover – but if you’re trying to save as much money as possible, you can always skip on these add-on services that aren’t essential. In fact, you may be surprised to learn how much you can save if you’re willing to pick one of the most basic packages available from your favorite car insurance company.

Tip 4 – Avoid direct debit payments

Many customers are surprised to learn that by paying with direct debit, there are actually paying quite a bit more interest than they would otherwise have to pay. By choosing to pay for your car insurance on a monthly basis, even when you can buy now and pay later car insurance, you could end up paying a significantly higher amount on your policy than you would have to if you were able to pay it all in one lump sum. With this in mind, it’s often a wise decision to pay upfront for your car insurance.

But if you can’t afford to do this right now, then this doesn’t mean you have to just suffer from those high-interest rates! Perhaps one of the most efficient workarounds you could ever use is to get hold of a 0% purchase credit card and use this new credit card to pay your car insurance upfront.

Ultimately, this means you can pay the credit card off monthly if you wish to, but you’ll still benefit from the 0% purchase period. This means you won’t have to pay those high-interest rates to your auto insurance company.

Tip 5 – Keep your no-claims bonus

Most people are aware that one of the best ways to secure a significant discount on an insurance policy is to benefit from a long no claims bonus. Unfortunately, if you’re a new or inexperienced driver, this may not be an option available to you. However, if you’ve been on the road for many years and you haven’t made any claims, you can expect to see huge discounts.

While making a claim can help you in the short term, you may end up paying significantly more for your vehicle insurance in the long term. With this in mind, it’s often wise to look at the pros and cons associated with making a claim – especially if you’re only planning to make a very small, minor claim. In general, it’s best to try and save your no-claims bonus for as long as possible.

Tip 6 – Add an extra driver to the policy

Are you aware that adding an additional driver can make a big difference to the initial quote you receive? Suppose your spouse or significant other happens to have a particularly respectable job, such as a teacher or physician. In that case, it’s often wise to include them on your policy because the fact that they have a respectable job can lead to a cheaper car insurance quote.

Of course, although this may not seem fair at first glance, there’s no denying that people with respectable jobs are considered responsible drivers, which can go a long way toward giving you a cheaper rate for your car insurance.

The only exception to this tip is if you are considering the possibility of adding a young driver to the policy. This may actually make your rate increase rather than decrease in most cases because inexperienced drivers are often the biggest culprits behind big car insurance claims.

Conclusion

Overall, it’s certainly possible to make some huge savings on your vehicle insurance quotes. If you keep these tips in mind and apply the advice contained within, you will be delighted with the reductions you may be able to receive.