Get an Instant Car Insurance Quote with MoneySupermarket
Thanks to the internet, instant car insurance is a reality. And with the advent of smartphones and tablets, you don't even need to be sitting at a computer to sort out your policy.
Here's how to find the cheapest instant car insurance quotes and arrange your cover in a matter of moments.
Search online for an instant car insurance quote
When you visit the MoneySupermarket online car insurance comparison site, you get immediate access to over 139 providers, all vying for your business. This means you can compare what's available, identify the right policy at the right price, and then click through to your chosen insurer to secure an instant car insurance deal. Many insurers offer a discount to those who buy online because the application is less labour-intensive to process.
Use the MoneySupermarket car insurance app
The new MoneySupermarket.com Car Insurance App for iPhone, iPad, iPod Touch and Android phones is another speedy and ultra-convenient way to find and arrange for instant car insurance cover. The first free App of its kind for UK consumers, it lets you find and compare policies on your device. Using the App you can then purchase your car insurance straight from your phone - all in just a few minutes.
As well as allowing you to compare thousands of quotes from over 139 insurance providers, the App lets you save your details and get the App to remember where you were up to with the process - ideal if you're out of range of a mobile or Wi-Fi signal.
The App also allows you to 'click to call' if you'd rather speak to someone about your car insurance quote. This would be particularly useful if you wanted to discuss payment options or to tailor your quote.
51% of consumers could save up to £220 (Consumer Intelligence Feb 2014).
How do I download the app?
To download a free copy of the App, hit the download link for your phone. You can also search for 'MoneySupermarket Car Insurance' in the iTunes store on your iPhone, iPad or iPod Touch, or in the Android Market on your Android phone or tablet.
Once you've downloaded the App simply follow a few quick and easy steps to create a MoneySupermarket.com account (or log in if you have one already). You'll then be able to save your quotes so you can recall them quickly at a later date and move on to purchase an instant car insurance policy on your phone.
Remember, if you prefer not to use your device you can still utilise our price comparison website on your desktop or laptop computer.
Reducing the cost of cover
Whatever your personal details, whatever car you drive, it's highly likely that you could take a few relatively simple steps to trim a worthwhile amount off your premium. Here's a run-down of some of our recommended car insurance action points:
Limit your mileage
The fewer miles you drive, the less likely it is that you will be involved in an accident - that's why car insurance proposal forms ask you to state your annual mileage. And the lower the mileage, the lower the premium is likely to be. If you're unsure of your annual mileage, you can use our car insurance comparison tool, which has a calculator to help you work out how many miles you drive each year.
It is vital that you choose a realistic figure - you could invalidate your policy if you breach the agreed mileage limit. If you realise during the year that you have pitched the figure too low - or, indeed, too high - tell your insurer and they might adjust your premium accordingly.
Be aware of car insurance groups
There are 50 car insurance groups that insurers use to rate every vehicle registered to drive on UK roads - and the lower the group, the lower the insurance premium. Cars are allocated a group according to various factors including engine size, performance capability, built-in security measures and the likely cost of repairs.
So if you are buying a car, check its rating - it might influence your choice of model. You can find out details of car insurance groups at www.thatcham.org.
Make any changes to your car - even cosmetic ones - and you risk invalidating your insurance cover. Spoilers, lights or fancy wheel trims might not seem significant from an insurance point of view, but they are taken very seriously by insurance providers. Tell your insurer about any change you make, and they may charge you extra for the privilege. For more information on this visit our modified car insurance page.
Have your driving monitored
An increasing number of drivers are having a 'black box' recording device fitted to their car by their insurer - a system known as telematics car insurance. This will provide data on how the car is driven - speed, braking, cornering, time of day and so on -the theory being that 'safe' driving should be rewarded by reduced premiums. By the same token, poor or dangerous driving may attract an increased premium.
Increase your excess
An excess is the amount you must pay towards a claim. The standard or compulsory excess will be £100 or £150. If you volunteer to pay a bigger excess, you will normally secure a lower premium. But don't set the excess at a level higher than you can afford or you will struggle if you have to make a claim.
Don't claim unless you have to
For each year you don't make a claim you receive a no claims discount (NCD), which can build up until it is cutting 70% off your annual premium. If you have a minor knock in the car, it can cost less to pay for the repairs yourself rather than make a claim and lose your bonus.
Another option is to pay to protect your NCD - this means you will be able to make a claim (or claims) with losing your discount.
Many insurers charge interest if you opt to pay in monthly installments so, if you can find the premium in one go, it often makes sense to pay the whole lot up front.
Boost security levels
If you fit an approved alarm, immobiliser and/or tracking device, the insurer may reduce your premium. The same applies if you can park in a garage or off-road overnight - more than half of vehicle thefts occur during the hours of darkness.
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†82% of shoppers obtained a quote in 5 minutes or less. Source eDigitalResearch December 2012.