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How do you get your car insurance>

Discussion in 'Motors' started by jsmoke, Feb 4, 2019.

  1. jsmoke


    Joined: Jun 17, 2012

    Posts: 7,166

    I've seen very different quotes from various websites, from £600 to £2000 and I'm sure if I tried every site there is I could get an even better deal, so do you just go to one site or look at everything that's available?
  2. Glanza


    Joined: Mar 13, 2007

    Posts: 9,691

    Location: South Yorkshire

    Deal with my broker direct (Chris Knott) at renewal I'll have a look on the price comparison sites to see if they are being cheeky or not, usually they are within £15 of the cheapest quote I'll find elsewhere.
  3. SC0TTRS

    Wise Guy

    Joined: Jan 14, 2014

    Posts: 1,585

    Location: The Matrix

    Use a comparison site most of the time.
  4. DampDog

    Wise Guy

    Joined: Oct 19, 2010

    Posts: 2,195

    Location: North Staffs

    Always ring round in the end. Find a quote that looks like it meets my needs then ring them direct. Don't think I've ever not managed to shave a few more quid off a TinTerNet quote by talking to them direct. They make money out folk being to lazy to check stuff.
  5. 200sols

    Wise Guy

    Joined: Jan 14, 2018

    Posts: 1,976

    Location: Hampshire

    But online you can usually get near £50 cash back, sometimes a lot more.
  6. Schizo


    Joined: Feb 19, 2008

    Posts: 13,557

    Location: Home

    I used a comparison site and it came back with the same price all the time.....went to Tesco direct and got it £400 cheaper,I don't think these sites work to well if you ask me.
  7. Nasher


    Joined: Nov 22, 2006

    Posts: 12,418

    Specialist brokers almost always have the best prices and terms. Though they won't do all cars, which is how they keep prices down I guess.

    E.g. with Greenlight I can tune/add mods and they don't care as long as it's not something outrageous. Just need to let them know about it. Paid under £400 with 0 excess, breakdown cover and NCP. Legal cover they threw in for free.
    Last edited: Feb 4, 2019
  8. shadow_boxer


    Joined: Oct 9, 2009

    Posts: 8,439

    Location: Stoke-On-Trent

    Comparison site then pick a couple of the cheaper quotes that meet my needs and check out cashback site then check quote directly. Just renewed my wife’s and saved a £100 by adding myself as a named driver.
  9. tamzzy


    Joined: May 26, 2012

    Posts: 9,916

  10. Tee Hee Johnson


    Joined: May 30, 2007

    Posts: 3,896

    Location: Glasgow, Scotland

    Use topcashback to go to the comparison sites. Sometimes directly, just to see, but the comparison ones usually work out cheaper.
  11. Semple


    Joined: Mar 5, 2010

    Posts: 5,299

    I use a comparison site to get an idea of who's giving me the cheapest quotes. Then i'll go direct for a quote to see if it's any better or if there's any cashback deals etc.
  12. bloodiedathame


    Joined: May 11, 2007

    Posts: 7,372

    Location: Surrey

    Specialist broker for the Leaf, comparison sites for the Golf. Call up current insurer and ask them to beat cheapest on comparison (by 10%).
    Last edited: Feb 4, 2019
  13. Gibbo


    Joined: Oct 17, 2002

    Posts: 30,737

    Location: OcUK HQ

    I use comparison sites, call the top three, ask for better, speak to specialist brokers.
    Then whoever gives me best quote or best price and best service combination, I then pay for in full.

    The SVR cost me £780 this year, M3 is circa £450 with a declared value much higher than book and the Clio was about £200.
  14. kindai


    Joined: Aug 9, 2013

    Posts: 6,359

    Location: Bromsgrove

    Plug details into comparison sites, ring pace ward and pay them because theyre still hundreds of quid cheaper :D
  15. billysielu


    Joined: Aug 9, 2009

    Posts: 11,240

    Location: Oxfordshire

    Comparison site, but as long as the renewal is a similar price I don't bother switching.
  16. DampDog

    Wise Guy

    Joined: Oct 19, 2010

    Posts: 2,195

    Location: North Staffs

    Same here give or take. Ringing more than one always gives you price for them to beat:)
  17. iamdjdz


    Joined: Nov 24, 2006

    Posts: 4,126

    Location: Liverpool

    It's worth noting that different comparison sites can be cheaper than others (and this changes for me most years) too.
  18. Raymond Lin

    Capo Crimine

    Joined: Oct 20, 2002

    Posts: 63,109

    Location: Wish i was in New York

    Just a comparison site, pick the most reputable one with right coverage with lowest price...

    Use that number to haggle with current provider.
  19. Yas786


    Joined: Oct 18, 2002

    Posts: 46,351

    Location: All over the world...

    Comparison website usually, go for the lowest and pay by instalments over the year.

    But might try a few tricks in this thread this year as my insurance is coming to an end next mth.

    Mind you living in a part of London that’s rampant for car crime usually makes me pay well over the odds for my insurance. Funnily enough in the 4 yrs I’ve had my car, it hasn’t been touched.
  20. Nasher


    Joined: Nov 22, 2006

    Posts: 12,418

    The price can change by the day too.