The Great Insurance Hunt

By Author: Anastacia Kriegh
Total Articles: 11
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In the last few years the price of car insurance has gone up rapidly. There are many reasons for this, the recession has lead to more uninsured drivers which increases the risk for everyone else, faster and more powerful cars, and more congested roads leading to more accidents have all driven up policy prices.

Whatever the ultimate reason, in the current economic climate it''s more important than ever that people find a good deal on their car insurance, and here''s a quick guide on how to do it.

When looking for a good deal the first thing you should try to do is to make yourself more insurable. Insurance companies calculate the likelihood that they will have to pay a claim when they work out the price of your policy, so if you can reduce the factors that make you likely to claim, you might save yourself a lot of money.

Some of these factors you won''t be able to do anything about, you can hardly move house after all, nor will you be able to magic up off-road car parking if it''s not there, but you can evaluate how much you use your car, and you may find if you can share a lift to work every now and then, ...
... the reduced levels of mileage might save you money on your policy.

Once you''ve worked out all the variables, the next thing to do is head to a comparison website. These are an excellent tool that does a large amount of the legwork for you. However, for various reasons that have been well publicised, they''re not always completely reliable when it comes to finding the best price.

Therefore, it''s a good idea to use the result of a comparison website as a guide to the amount of money you should be looking to pay. You may well be able to find yourself a better deal if you look around, but it provides a good benchmark figure.

The principal reason you should look around once you''ve used a comparison website to generate a price is that insurance companies can be flexible and vary their prices to try to attract your custom. The company that''s most likely to do this is the one that you''re already with, so once you''ve got a good price, talk to them and see if you can negotiate a better deal.

The final thing to do is to look far and wide at other policies, the best approach is to speak to them directly and then you can bargain and haggle more effectively, but many also offer online discounts. With a little legwork you can save yourself hundreds of pounds, so it''s definitely worth the effort. Anastacia Kriegh is a freelance writer with 10 year previous experience in the insurance industry. Anastacia Kriegh recommends checking out Kwik Fit Insurance when looking for car insurance.