{"id":2253,"date":"2018-02-12T06:00:18","date_gmt":"2018-02-12T06:00:18","guid":{"rendered":"http:\/\/davidwithington.com\/?p=2253"},"modified":"2018-02-09T21:29:07","modified_gmt":"2018-02-09T21:29:07","slug":"reduce-car-insurance-premium-quickly","status":"publish","type":"post","link":"https:\/\/davidwithington.com\/reduce-car-insurance-premium-quickly\/","title":{"rendered":"How to Reduce Your Car Insurance Premium Quickly"},"content":{"rendered":"

\"Car<\/a><\/p>\n

Do You Really Need to Shop Around to Reduce Your Car Insurance?<\/span><\/h2>\n

I don’t mind when the car insurance is due for renewal.<\/span><\/p>\n

“What!? You enjoy paying bills, David?”<\/span><\/p>\n

\"The<\/a>
The “bills” savings pot takes care of the bills<\/figcaption><\/figure>\n

Nope. I dislike paying bills as much as anyone else.<\/span><\/p>\n

But we drip feed into our Bills<\/em> savings account each month. <\/span><\/p>\n

So when the bills drop onto the doormat, we can pay them without having to worry how we’ll find the cash.<\/span><\/p>\n

But…<\/span><\/p>\n

A couple of weeks ago, t<\/span>he car insurance renewal arrived.<\/span><\/p>\n

And it had gone up by \u00a350.72<\/strong><\/span><\/p>\n

Fifty quid<\/em> increase in a year!<\/span><\/p>\n

\"Fifty<\/a>
Fifty pounds increase<\/figcaption><\/figure>\n

“I’m not paying THAT!” I shouted to Christine.<\/span><\/p>\n

So I made myself a cup of tea to calm down (don’t worry, I made my wife a brew, too).<\/span><\/p>\n

And then I rang up the guys at the insurance company HQ.<\/span><\/p>\n

By the time we’d finished, we’d got the price lower than last year<\/strong>!<\/span><\/p>\n

Yes, \u00a37.52 less.<\/span><\/p>\n

\"Car<\/a><\/p>\n

The Quick Way to Reduce Your Car Insurance Policy<\/span><\/h2>\n

Here’s how we did it:<\/span><\/p>\n

I didn’t bother going to Compare-This-With-That dot com.<\/span><\/p>\n

1<\/strong>. First of all, when I rang the Insurance Company’s Customer Helpline<\/em>, I was friendly, pleasant and polite. That’s an important start. You need the insurance agent on your side. So be nice to them.<\/span><\/p>\n

\"Ring<\/a>
Ring up and be pleasant<\/figcaption><\/figure>\n

2<\/strong>. I expressed surprise that my policy had risen by more than \u00a350, and asked if the agent could take a look to see if there was anything he could do to reduce it.<\/span><\/p>\n

“Have you obtained any other quotes?” he asked.<\/span><\/p>\n

I hadn’t, so I said so:<\/span><\/p>\n

“No, I haven’t. I’m waiting to see if we can reduce this sufficiently before I start looking.”<\/span><\/p>\n

He managed to find a \u00a313.44 reduction immediately.<\/span><\/p>\n

“Thank you,” I said. “Could you see if you can reduce it further?”<\/span><\/p>\n

But he couldn’t. That’s as far as his permitted flexibility would allow.<\/span><\/p>\n

But that’s worth remembering – he’s allowed to apply an immediate discount.<\/span><\/p>\n

\"An<\/a>
An immediate discount – thank you!<\/figcaption><\/figure>\n

3<\/strong>. Next, we looked at some elements of the policy:<\/span><\/p>\n