Temporary car insurance is a very useful tool - you activate it only for a short period of time, so you are charged only for the time you are actually driving. However, this insurance is usually more costly than usual insurance. Here is an article by Michael Bainbridge that will help you make this insurance cheaper.
Depending where you live in the world, you might have heard of price comparison websites. Here in the UK we are very familiar with them and millions of people use them to compare prices of all sorts of things, and car insurance is one of the popular things people use them for.
Temporary car insurance quotes can vary between companies because different insurance companies judge the risk in different ways. As you probably know, a lot depends upon your own personal circumstances, and the type of car you want to insure as well as the number of days you want cover. There are many people who need cover for just a few days while they're changing cars, or need to borrow a car at short notice. Trouble is, because you need the temp car insurance pretty quickly, you tend to buy with haste, and settle for the first quote you get offered. This is a big mistake. You should make some enquiries now, when you don't need it so you have an idea of the costs involved for when you do need it.
Comparison websites are the answer, and offer an excellent service and literally save you hours and hours of making individual calls to companies, or typing your details into individual websites to get separate quotes. Why should you do that, when these sites will do all the hard work? The quick answer is that you shouldn't.
These comparison sites receive a commission when customers buy car insurance through one of their links. I asked a few of my friends who use these sites whether they went on to buy a service through these links and they all said they did. In fact, they had no idea that they were in effect, affiliate links. They simply assumed that the link was the only way to access the offer that the comparison site had displayed.
By using these sites to your advantage you can save yourself money and get a discount on your temporary car insurance. Here's how.
You enter your details into the comparison site and run a search. The results will usually sorted by price so look at the cheapest couple. Visit their websites by clicking through the links the comparison site give you, but do not buy at this time. When you get to the sites, find a telephone number because you want to speak to someone who deals with phone quotes.
Give them a call and ask for a quote, and explain you are a new customer seeking temporary car insurance and say their company was recommended by a friend. What ever quote they give you, tell them it's too high. Explain you've made some comparisons and can get it cheaper. Throw some numbers around 10% less than their quote at them, and drop a couple of insurance company names into the conversation. They will usually match that lower figure. They are very keen to get your business so 9 times out of 10 you will get a discount.
Remember, they were already prepared to give the comparison site a commission anyway, so by you calling them direct, they don't have to make that commission payment, which means there is some room for them to discount your quote. You can also remind them of that fact.
| To read more tips on how to get discount on your Temporary Car Insurance. You will also find a list of car insurance comparison quote websites that you can try out. |
Hopefully this article helped you,
Nadav
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