Smart Moves for Finding Cheap Car Insurance

Friday, 23 April 2010

When you’re shopping around for cheap car insurance quotes, don’t just rely on comparison sites turning up the best price, they don’t cover the whole market so it’s worth getting a few direct insurance quotes too - which you can get  in double swift time at

Shopping around is one route to cheap car insurance, but there’s more you can do to influence the amount you’re quoted, like making clever cover choices and lowering your risk as a customer.

Levels of cover

Swiftcover offer two levels of motor insurance - Comprehensive car insurance and Third party, fire and theft car insurance. Most people choose comprehensive, but remember to look at Third party, fire and theft cover and see if it works for you.

Comprehensive car insurance gives you the most cover including:

  • repair or replacement of your car if it is damaged or stolen
  • injury to you or other people
  • damage to other people's cars and property
  • windscreen repair or replacement
  • your car stereo

Third party fire and theft car insurance provides less cover than Comprehensive. This cover includes:

  • damage to other people's cars and property but not your own
  • injury to other people
  • repair or replacement of your car if it is damaged by fire or stolen

Reducing your risk

The risk you pose as a customer has a direct influence on whether or not you’ll be offered cheap car insurance. Of course, all the information you provide for your motor insurance quote needs to be truthful, but it’s worth taking a few minutes to consider how you can make yourself as low risk as possible.

Mileage. How far do you really drive in a year? You mustn’t underestimate your mileage (it could invalidate your policy), but if you’ve estimated a few thousand miles too many it could affect your motor insurance quote, so it’s worth a double check.

Excess. Choosing a higher level of excess can really make a difference if you want cheap car insurance. The more you agree to pay towards any claims you make, the lower your premium will be.

Overnight parking. Where you keep your car overnight can affect your risk. A car that’s parked on the street is more likely to be damaged or stolen than one that’s kept in a garage or on a driveway.

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Swiftcover and are both trading names of AXA Insurance UK plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority