There are lengths people don't know that insurers have gone on just to get that accurate premium, such as working out that surgeons normally have more accidents than other professions or that Virgoes were the worst for accidents last year compared to Pisces who had more convictions.
That means they will up your premium based on age, sex, job, post code and where you park as well as what you drive.
So here we'll go further than just what questions to ask - six ways to get cheaper car insurance that they'd probably prefer you didn't know.
1. Use the right job title
If you describe yourself as a “chef” when filling in your car insurance application your average quote is higher than if you write “kitchen staff. And it's not just cooks that have this problem.
This recurs basically if your job fits more than one category - for example, “Music teachers” pay more than “teachers”, “office managers” pay more than “office administrators”, and “construction workers” pay more than “builders” who – in turn – pay more than “bricklayers”.
On the flipside, describing yourself as a parent, housewife, house-husband or retired instead of being unemployed will reduce your premium.
While it's worth experimenting to see what different job titles affect your premium, make sure to not lie about your job i.e. don't say you're a butcher if you're a baker. That is illegal and could get you prosecuted for fraud.
2. Add another more experienced driver to the policy
It's a crime to say someone who isn't the main driver of a car is but it's perfectly legal to add in a secondary driver to your cover and can easily save you money.
First get permission then add a more experienced driver with a clean driving license and decent no-claims history to your insurance.
3. Never leave it till the last minute
It appears that most insurers "exploit the panic" of drivers who buy at the last minute, usually when their existing cover is close to expiration.
By contrast, the best time to buy cover would be three weeks before existing policies expire, as insurers were more likely to compete on price, given that drivers would have found more time to shop around.
4. Get some cash back
Comparison sites make money by getting a referral fee from insurers when they convince consumers top switch products with them.
If you look around though, you can get some of that money yourself.
Some comparison sites offer as much as 30% cash back.
Once you've finished comparing sites and found the cheapest deal, head over and see if you can get an even better deal by switching through a cashback site.
5. Pay up front
Be sure to pay up front as many insurers charge interest on your payments if you spread out the cost over the year?
Better to take that big pill first rather than try to spread even as it'll actually cost you more in the long run.
6. Cut your extras and boost your excess
The thing with extras is that every single one adds to the premium.
Things such as breakdown cover, windscreen cover, theft from the car, driving abroad, personal accident cover, courtesy car and more.
Even then, a lot of the above could already be covered by other things such as travel insurance, AA membership, home insurance or even your bank account.
Make sure to check that you're not double paying for anything and just check if you really need those extras. Also, check on how much excess is on your policy.
This is how much you have to pay yourself to make a claim.
The lower the excess, the higher the car insurance so work out what you can afford to pay in case of an accident and set your excess to that - even the difference of say €50 can be worth it.
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