Insurance costs slashed

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