Purchasing Car Insurance Online or via the Telephone

Online Car Insurance Quotes

The majority of car insurers now have a website whereby you can get a car insurance quote. Some companies such as elephant, who are online only, will always give their best quote. However, other insurers such as Endsleigh (who also have physical branches) will often give a much cheaper quote over the telephone.

Most car insurance companies offer special discounts for purchasing online, this normally ranges from 5 - 10% depending on the insurance company.

Another advantage of online quotes is you can play about with things such as mileage, named drivers and excess to find the cheapest combination to suit your needs.

Telephone Car Insurance Quotes

If you get a good price from an online quote we recommend you try phoning the insurer and state that you will take out the policy if they can knock a bit more off. This usually works and can save anything from £10 to £100.

When phoning an insurance company make sure you sound mature and professional as they are more likely to treat you as a potential customer which in turn leads to a cheaper quote.

Once you have got your quote over the telephone ummm and argghh about it and say that you'd take it out if it was a bit cheaper - this will sometimes get the insurance company to lower the premium further.

In Conclusion

Sometimes you will get a cheaper car insurance quote online, and other times you will get it cheaper over the telephone. We recommend you try both and try at least 20 different companies as well.