Finding the Best Car Insurance Quotes in the UK 2013

Finding the best car insurance quotes in the UK for 2013 isn't just about looking through comparison sites and checking out the cheapest quick-estimate providers. Limiting the amount you pay on car insurance is also your responsibility - good driving, a good, clean license and considering the risk insurers take when taking on new customers is the key to finding a good deal.

How insurers work

Insurer quotes are set by actuaries, who calculate the risk of potential customers and scenarios. Finding the best car insurance quotes in the UK for 2013 depends on two main points - the underwriter's assessment of you as a potential customer and the insurer's own pricing model. So, you may be able to find the cheapest insurer based on pricing model (which is where most quick estimate come from when insurers create their adverts), but that won't do any good if you're a high risk customer.

To limit the amount you pay and increase the chances of finding the best insurance quote, make note of the following points:

  1. Fit security in your car and park in secure places wherever possible. Customers with a garage receive lower insurance than those who park on the street.
  2. Don't assume a third party is the cheapest insurer - more than likely, they won't be. Go directly to each company and deal with their advisors to avoid commission.
  3. Try adding a second responsible driver.
  4. Don't modify your car.
  5. Don't be tempted to lie on your application - when the time comes to claim, your insurance may become invalid.
  6. Look for schemes that avoid auto renewal to save on renewal costs.
  7. You can try tweaking your job description a bit, but don't lie on your application. For example, rather than putting "welder", it's acceptable to use the term "mechanic", which is considered professional by most application standards.

Searching for the right quote

On the way to finding the best car insurance quotes in the UK for 2013, you can try your hand at using price comparison sites such as GoCompare, Confused.com or Moneysavingexpert.com. However, these are only good for providing you with a quick overview and an idea of how much you can expect to pay. If you find an insurer you like, go directly to their site and research their insurance packages - make sure you check to see if they have specialised insurance tailored to your particular circumstances.

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