Get The Best Car Insurance Discounts
Perhaps insurers think that older women drivers who do low mileage and have five years no claims are all schizophrenics. They seem to think that no one person can have all those characteristics. That's the way it comes across anyway when they advertise their various schemes.
One insurer will offer them a scheme for older drivers, another for women drivers, another will offer discounts for low mileage and another will give a 75% no claims discount if you're accident-free for five years. Working out which scheme to go for can be time-consuming. Indeed, it could probably turn you into a schizophrenic!
It doesn't matter who you are, you'll probably qualify for different types of discount. The question is, are they gimmicks, or can you really save money? I invented a hypothetical 56-year-old male with a BMW and one claim on his record. Saga, an insurer for the over fifties, can insure him for '352. However, there are over a dozen insurers that can do it more cheaply. Swiftcover, for example, came up with the figure '261.
I did another quick search on a hypothetical person who could take advantage of at least three different types of introductory discount. I made up details for a 22-year-old female driver who does less than 1,000 miles. Many insurers with no promotions for women offered cheaper cover than Diamond, an insurer for women drivers, which quoted '505. QuoteA, which makes a big thing about comparing cheap young persons' cover, was also beaten by four or five insurers and brokers, with '422. There were no low-mileage insurers in sight of the cheapest deals, which were around '395.
New schemes appear all the time as insurers try to make themselves look different. Admiral has launched a multi-car policy. This does exactly as you'd expect: it covers more than one vehicle on the same insurance certificate. More Than have released an eco-car policy, as they try to push their green-friendly credentials. Also, Tesco releases a 'Value' policy this Wednesday. It's a comprehensive policy minus some of the usual extras and it's aimed at helping third-party only drivers upgrade their cover.
However, the evidence suggests that it doesn't matter who the insurers say their policies are good for. You should compare a range of insurers to get the best quote. I'm not saying that Saga never quotes the best price for 56-year old men, or that Diamond is never the cheapest for women. That's almost certainly not true. But it is important to look around, and not fall for the slogans and advertising.
Don't be suckered in by advertising gimmicks. Compare prices with lots of insurers now.
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