Going direct to insurers is more expensive than going through their own website or even through a price comparison site!
How is this possible when they don't have to pay referral fees for the lead or commission on the sale which is anything from £30 to £70 of the actual premium you pay. DAYLIGHT ROBBERY!
Ask for a discount tell them you have a cheaper price elsewhere and you are going to take that one out if they don't lower theirs. They will do all they can to save the sale, ask for a benefit like car hire or legal cover for FREE! If it's a case of losing the sale for the sake of a product that costs them a couple of pounds they will most probably give it.
Brokers
Use brokers more as they are not interested in premiums as they are not the insurer, they work to find you the best policy more often or not they are better trained than the direct insurers in a whole range of insurances and are impartial in most cases. As brokers are highly trained they get better rates on their insurance products than what you get if you went direct. Insurers take on less risk as they manage and administer the policies taking car of customer service, renewals and even claims. This saves the insurer money and means that they can offer lower premiums for brokers to sell.
But remember always ask for a discount its no good just asking if thats their best price, insurers wont give a discount unless they have to, if they don't offer one look to go elsewhere and always say you have a cheaper price with someone else even if you havent.
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