Get quotes and find providers that offer price match deals on car insurance.
Price match guarantees can be very useful when they’re available, but terms and conditions will usually apply. If you’re looking for the cheapest car insurance, a price match offer doesn’t automatically mean it’s the lowest price you could get.
However, if you’re looking for a quick way to potentially lower the cost of your car insurance, they can be very useful.
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How do car insurance price match deals work?
The terms and conditions may vary between insurers, but some providers may be willing to match or beat a competitors price if you can provide proof. Since auto insurance is largely situational, your best bet is to get multiple quotes and use those to find out if other providers are willing to match the price.
How else can I find price match car insurance?
Even if an insurer doesn’t have an official price match deal, that doesn’t necessarily mean it won’t be willing to match other offers, so it can be worth getting a range of quotes and taking your time to shop around.
Premiums will often rise over time, so it may be worth looking for new quotes when it’s time for renewal.
This can be particularly useful because many car insurance discounts only apply to the first year of coverage. These discounts are often substantial and easy to get, such as 25% off just for buying online, with the main catch being that they’ll run out after the first year.
As such, getting new car insurance quotes whenever it’s time to renew might be the most effective way to find the best price on car insurance. Once you’ve found great value for the coverage you need, you might be able to get even better rates by asking providers to match or beat those quotes.
The main tip for finding the best price on car insurance is to shop around and get quotes from a range of providers and to take steps to lower your premiums before asking for price matching offers.
4 tips to help lower your car insurance premiums
- Shop around and get quotes from multiple providers to find out which offers the best rate.
- Consider a higher deductible, and find out if price match deals might affect your deductible amount.
- See whether you can transfer your no-claim bonus discount over to the new insurer.
- Once you have a quote, check for more car insurance discounts and see if you can further reduce your price. You might be able to save more in the long run by getting 25% off your car insurance one year, then looking for a price match deal on that price the following year.
What other things should I look for in an insurance policy?
It’s not always worth searching for the lowest possible price if you’re not getting the coverage you need. Don’t sacrifice coverage in hopes of saving a few bucks on your monthly premiums, as you might end up paying more out of pocket when you need to file a claim. Before purchasing coverage, there are a few features you may want to consider:
- The car insurance deductible. The deductible is the amount that you’ll need to pay towards a claim before the insurer pays any expenses. A higher deductible generally means lower premiums, whereas a lower amount could increase your monthly premiums.
- The type of coverage. You’ll usually come across lower premiums on more basic insurance like property damage liability coverage compared to comprehensive car insurance, so it’s important to make sure you’re comparing equivalent coverage. If you’re looking for ways to keep costs down, you might also consider downgrading your coverage to liability-only if your car no longer needs comprehensive protection. Keep in mind that each state has different minimum coverage requirements, so you’ll need to make sure your state minimums are met before purchasing a policy.
- Discount eligibility. Car insurance discounts can greatly affect your premiums. Sometimes an insurer might give you a quote without discounts factored in, while another might quote you a price that includes all applicable discounts. While this might account for price differences between policies, the actual discount amounts might vary between insurers.
It’s also worth looking at the different extras that a policy might offer. For example, it might not be worth the slightly lower premiums if it means giving up roadside assistance.
Price and quality are both important considerations and “value for money” is where they intersect. Price match guarantees can be very useful because they can ensure that you switch to equivalent protection rather than downgrading your coverage. However, remember that these deals often come with terms and conditions of their own.
You should also keep in mind that not all discounts are permanent or even worth switching for. It might end up costing more in the long run if you’re only getting a slight discount, especially if that discount has an expiry date. Besides, many providers even offer loyalty programs or discounts for renewing your policy, so you should find out if your current provider offers any incentives before you switch.