Insurance costs slashed

21 July 2008
  • Use a car insurance comparison tool to sort through leading insurers
  • Find the cheapest insruance quote that best suits you
  • Tweak your details and dramatically reduce the overall cost

Following our 10-step plan, here's how we saved £££'s on car insurance for three readers.

 

 Example 1: Renault Clio (91-98)

 

The facts 

Sex Female No claims discount 0 years
Address Rural Age when passed 21
Age 21 Car value £500
Marital status Single No. of drivers 1
Occupation Unemployed Security Driveway

 

Using a comparator:  

Five cheapest insurance quotes:

1. Diamond £607.40

2. Elephant £609.50

3. Kwik Fit   £654.72

4. Swinton   £725.76

5. 1st Quote £728.86

Highest insurance quote:

Endsleigh £1052 (£444.60 more than Diamond)

 

Using Parker’s tips

With Diamond (£607.40)

Tip New quote Saving
Add Pass Plus £575.90 £31.50
Add another driver £501.35 £74.55
The name game  £450.95 £50.40
Additional offers up to £300 handbag cover included free, up to £750 of stereo cover and flexible payment options.

Add another driver - Mum (housewife, full UK licence, no claims)

The name game - Has a post-graduate qualification, so able occupation changed to post-graduate.

 

Final quote: £450.95

An overall saving of £156.45

 

 Example 2: Land Rover Freelander Station Wagon (03-06)

The facts

Sex Male No claims discount 4 years
Address Rural Age when passed 17
Age 42 Car value £5000
Marital status Married No. of drivers 1
Occupation Fire Officer Security Driveway

 

Using a comparator:  

Five cheapest insurance quotes:

1. Swiftcover £257.52

2. Kwik Fit £258.55

3. Autodirect £264.73

4. Swinton £268.15

5. Motorquote Direct £276.36

Highest insurance quote:

Wiser Choice £464.09 (£206.57 more than Swiftcover)

Using Parker's tips

With Swiftcover (£257.52)

Tip New quote Saving
The name game £238.76 £18.76
Add another driver £236.33 £2.43
Voluntary excess (£250)* £220.45 £15.88

Pay monthly

£223.81 £3.36 more than single payment

The name game – occupation changed to Fire Fighter

Add another driver - Wife (teacher, full UK licence, no claims)

* Increased by £100

Pay monthly - 10 instalments of £19, with an initial payment of £33.81

 

Final Quote: £220.45

An overall saving of £37.07

 

 Example 3: Vauxhall Vectra Saloon (05 on)

The facts

Sex Male No claims discount 1 year
Address City Age when passed 17
Age 34 Car value £10,000
Marital status Single No. of drivers 1
Occupation Journalist Security Residential

 

Using a comparator:   

Five cheapest insurance quotes:

1. Admiral £921.33

2. Elephant £924.50

3. Kwik Fit £1584.67

4. Swinton £1700.12

5. Endsleigh £1747.04

Highest insurance quote:

A Quote £2409.04 (£1487.71 more than Admiral)

Using Parker’s Tips

With Admiral (£921.35)

Tip New quote Saving
The name game £864.65 £56.70
Add security £849.95 £14.70
No claims £698.75 £151.20
Breakdown cover £922.90 £72.95 extra

The name game - occupation changed to Editorial Staff

Add security - secure car park

No claims - by driving incident free for 5 years

Breakdown cover - £72.95 with Admiral in comparison to just £25.20 with Green Flag, £29 with the AA and £33 with RAC.

Final quote: £849.95

An overall saving of £71.40

Read the full 10-step plan to save on car insurance TODAY 

Spend five minutes to compare car insurance and save £££s insuring your car.

It's quick and easy to use, and we've trawled the market to find the best deals from over 50 leading insurers. There's only a few questions and our unique easyfill tool makes filling out your details as painless as possible. Compare car insurance