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Eduardo Said:

How would you haggle the best car insurance in this situation?

We Answered:

Might sound daft but get your yellow pages out and start phoning round!
It does take up time and is not as convenient as on-line but you do have the opportunity to talk to people who want to sell the insurance to you and can offer discounts that you might not get on-line, also the rep on the phone will ask you if you've had any quotes already, then may try and beat the quote.
It's worth knowing that, from time to time, insurance companies get panicky if sales are down and offer lower insurance to get more custom.

Rita Said:

Suggestions on how to lower my car insurance?

We Answered:

I work for an insurance company and would suggest its the car that is the problem not your driving history. for this year look at companies that take any provisional licence years into account - RAC, Aviva (although these companies can be expensive generally).

i would look at a lower insurance grouped car - like a corsa, but im sure thats not really the car for you.

Next year you will have 4 yrs ncd and that is another red flag gone from your driving history. your age isnt really a problem either, usually drivers under 25 are charged more.

hope that helps even though i cant really reduce it this year.

Caroline Said:

Can i cancel my car insurance if I pay monthly?

We Answered:

Each company has different policies ( rules ) for cancellations

Sherri Said:

How to lower my car insurance, young driver.?

We Answered:

The following are legal ways to reduce the premium. However some are counter-productive i.e. they may cost more than you save.

1) Buy an old low group car (you can get an idea of insurance groups from Parker's guide) e.g. a Renault Clio, old-type mini/ fiat panda/ ford fiesta.

2) Third party, fire & theft is probably the cheapest cover.

3) Consider a 'birthday' policy - some insurers will give a 6 or 8 month policy and then give a discount at renewal - this can be useful if your birthday is reasonably soon. You will have to stay with them at renewal because you won't have any valid no claims bonus but the year after you will probably be given a 2-year bonus.

4) With TPFT you probably can't increase the excess - you may be able to with some insurers.

5) You can improve the car security by installing a Thatcham I alarm/ immobiliser or a tracker - but these cost quite a bit of money.

6) It may be cheaper if you add a parent onto the policy - providing they have had no claims or convictions - always worth looking into.

7) Garage the vehicle at night and declare the fact to the insurance company

8) Declare you will only use the car for a few miles a year - if you do this you should stick to it so try and make an honest effort to be accurate.

9) There may still be a 'pay as you drive' scheme around. If you do join one make sure you drive during the day - late-night driving is expensive.