Finding affordable car insurance that also offers additional features can be a challenge, especially in the United Kingdom. However, with some research and a few tips, you can locate the cheapest car insurance near you that provides excellent coverage options. Below are strategies to help you find the best deals.
Comparison Websites
One of the best ways to discover cheap car insurance is through comparison websites. These platforms, such as Compare the Market, MoneySuperMarket, and GoCompare, allow you to enter your details and compare offers from multiple insurers simultaneously. This not only saves time but also highlights the options that include extra features such as breakdown cover and legal assistance.
Consider Additional Features
When searching for the cheapest car insurance, it's essential to consider what extra features are important for you. Many insurers offer value-added services like:
- Breakdown Cover: This service ensures assistance in case your car breaks down on the road.
- Courtesy Car: Some policies provide a courtesy car while your vehicle is being repaired.
- Personal Belongings Cover: This feature protects your personal items left in the car.
- Legal Cover: Provides legal support in the event of an accident claim.
While comparing policies, pay attention to which additional services are offered without significantly increasing the premium.
Look for Discounts and Offers
Many car insurance providers in the UK offer discounts that can help lower your premium. Look out for the following:
- No Claims Discount: If you have a clean driving history, you can receive a substantial no-claims discount.
- Multi-Policy Discounts: Bundling your car insurance with home or travel insurance can lead to savings.
- Low Mileage Discounts: If you drive less than the average annual mileage, you may qualify for special discounts.
Always inquire about any available discounts when contacting insurance companies.
Choose the Right Coverage
While it might be tempting to go for the cheapest option available, it's crucial to choose coverage that meets your needs. Consider whether third-party insurance, which is the minimum required by law, is sufficient or if you need comprehensive coverage that includes damage to your own vehicle. Make sure the policy includes necessary extras, ensuring you’re not compromising on protection just to save a few pounds.
Local Insurance Brokers
Don’t underestimate the value of local insurance brokers. They can often negotiate better deals with insurance companies and may provide policies that online comparison sites neglect. Local brokers also understand the specific needs and risks prevalent in your area, which can lead to more customized coverage options.
Check Reviews and Ratings
Before making a decision, it's vital to check reviews and ratings for the insurance providers you’re considering. Websites like Trustpilot and Google Reviews can provide insight into the experiences of other customers, particularly regarding claims processing and customer service. A policy with cheap premiums is not worth it if the provider is difficult to deal with when you need help.
Adjust Your Excess
Another way to potentially lower your premiums is by adjusting your excess. Increasing the voluntary excess can often result in reduced monthly payments. However, ensure that you can afford the higher excess in case of a claim.
Conclusion
Finding the cheapest car insurance near you in the UK with extra features requires thorough research and consideration of various factors. Utilize comparison websites, consider additional benefits, take advantage of discounts, and choose the right coverage to secure the best deal. Don’t forget to analyze customer reviews to ensure you select a reliable provider. With diligence, you can find the perfect car insurance policy that meets both your budget and coverage needs.
