Car insurance is a legal requirement to driving on Britain’s roads and if you have an expensive or classic car an insurance policy can be quite pricy. Shopping around for a really good deal can take a lot of time, so here are a few ideas on how to get a good insurance deal without spending months doing it.

Step 1: The Internet

Internet comparison websites are a great invention, but they don’t always do what they say they do. They are, however, a good place to start your hunt. Quickly fill in your details and press search and see what comes up, take note of top two or three companies and the cost of their policies. If you have time, try it with another comparison website and see if they produce the same results or different companies.

Step 2: Still on the Internet

The next thing you should do is go direct to the websites of the companies whose policies you are considering. They may have optional extras or online discounts that you should consider. Their websites will also get you a feel for their approach to their customers, and if it comes down to choosing between two companies with comparable policies, you should go for the one you feel most comfortable dealing with.

Step 3: The Phone

So far, you shouldn’t have spent much more than half an hour and you should have around three companies with the best deals on the market. Once you have the details of their policies, start ringing them up. Start with the most expensive, have a quick chat, and explain that you like them but you’ve been offered a better deal and see what they say. More often than not with a little convincing the company will drop their prices. Then move onto the next company and run through the same process.

Within not very long you will reach a level beyond which the companies will not budge, this is the best price that you’re going to find and then it’s just a case of dotting the ‘i’s and crossing the ‘t’s.

A Final Thought

Getting the lowest price is not always the best deal, you should consider whether you want an insurance policy that combines certain services. Kwik Fit Insurance, for example, combine cheaper servicing with the costs of their insurance policies – get a car insurance quote from their site to receive 10% off at Kwik Fit repair centres. Sometimes it’s worth paying a little extra on the policy for the additional benefits that you receive.