Admiral, founded in 1993, is a company that specializes in providing low cost car insurance to people living in cities, younger drivers, and those who own high performance cars, as well as a combination of all these. For such drivers, Admiral also offers an online quote that allows you to save about 10% on car insurance.

Admiral Products:

MultiCar Insurance This product offers a new method of getting cheaper car insurance, by insuring two or more private cars which lets you qualify for discounted car insurance. The main features of the MultiCar Insurance includes

Up to 23% discount
You don’t have to wait for your second car to be covered before you get a discount
Each policyholder earns and keeps their own No Claims Bonus
Helps unite renewal dates on your cars, which may allow you to earn your No Claims Bonus
Monthly installments available

Information you need before you apply for the MultiCar Insurance:

Details of the other cars in you family, including make and model, registration number
Details of the drivers that use the other cars, with information regarding claims and convictions
Renewal months’ for the cars in your house

Breakdown Cover Insurance This package is exclusive to policy holders, and includes

Caravan or trailer cover
Alternative transport
Emergency overnight accommodation
Roadside assistance and recovery
Lost or damaged key cover
Message assistance
Home assistance

After youve applied for the Breakdown Cover to your policy, youll receive the details along with a card that bears Admirals freephone breakdown assistance number. All you need to do when you receive the card is to your policy number and registration number on the back of the card, to be used when you call for assistance. You also have to note down the scheme code printed on the card, as well as the make, model and type of your car.

Van Insurance Admiral has also teamed up with Gladiator to provide insurance for a commercial vehicle. The website links to an online quote engine for Goods vehicles, and in order to get an online quote, you need to enter

Your personal details and any other drivers, along with driving date of birth, licence and job details
Details of any claims made in the last five years by all drivers
Details of any motoring convictions against all drivers
Details of the vehicle to be insured make and model, manufacture year, security devices etc.

Once you clicked the Submit button, you be guided to a unique web reference, through which you can recollect details you have entered.

Besides car insurance, admiral also offers other products such as Travel insurance, Motorbike insurance, and Pet insurance.

Car insurance is one of the most expensive costs involved in driving a car, and it’s not something you can avoid – a minimum level of insurance is required by law. That doesn’t mean you have to blindly pay whatever your insurer quotes though, as there are several simple things you can do to reduce the cost of your premiums.

1)Shop around and buy online: Figures show that many people simply renew their current policies without shopping around. The internet makes it easy to compare prices from different insurers, so why not take advantage of this? Plus, you’ll usually get a discount of 10% or more just for buying your policy online.

2)Policy type: do you really need a comprehensive policy with all the extras? Going for a third party fire & theft policy can reduce your premiums hugely, and is definitely worth considering if your car isn’t an expensive model.

3)No claims discounts: Nearly all policies feature a discount that increases for every year you don’t make a claim. The higher the discount available, the more you could save. Also look at insurers offering a ‘no claims bonus for life’ feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.

4)Excess: The excess on a policy is the amount of a claim you have to pay before the insurer pays the rest. Choosing to have a higher than standard excess level will usually mean lower premiums.

5)Security: Fitting your vehicle with an alarm, immobiliser, or other security devices can lead to premium reductions. Parking you car off-road, for example on a driveway or in a garage, will also mean a cheaper policy.

6)Pay annually: Many insurers charge you interest for the privilege of paying in monthly installments. Pay annually if you can afford it to avoid this, or look for one of the companies who don’t charge extra for monthly payment.

7)Mileage: The more mileage you run up every year, the more your insurance will cost. Even if you can’t reduce your mileage, make sure you’re not overestimating how much you actually do drive, and give your insurer an accurate figure.

8)Drivers: The more drivers you have on your policy, the more it will cost. Reduce the number of people insured to drive your car to the minimum possible, and try to get the policy in the name of a driver with the lowest risk profile. For example, if a car is driven by both a man and a woman, insuring it in the woman’s name will often result in a cheaper quote.