usually tell the truth, most places will tell you immediately if they can price match. My renewall quote was thru MINI uk insurance services. I tried a few others and even being a customer of MINI for a year they still came out most expensive with no policy on price matching / beating.
I Usualy tell them in the first opening statement that im looking for them to beat my renewall quote. gets them interested.
The way i see it is... if you don't try then you won't know and if they do come up more expensive then I move to the next company on my phone list. I Must admit the last few policies were quoted online which I query over the phone and get a little more knocked off .
I have paid my fair share of high premiums when i was younger, now i want something back .. not that i am that old
I'm not sure if I was being over paranoid but before I got my car at the end of July I went to the website: www.confused.com and they came back with a number of quotes (great site).
The best price was with Admiral Insurance by over £150.
So naturally I phoned them up and arranged to have the car insured by them. But they wanted to take all the factory fitted options down as modifications and increased the premium by £50 because the Chilli Pack 'made the car more desirable'. I expressed my frustration that anything fitted in the factory is considered a modification, but because it was still cheap by miles I continued with the cover application. The policy schedule arrived and they had put down modifications as being a spoiler(standard) and spot lights(not fitted) only fog lights. So I phoned them to get this changed and the woman on the other end of the phone then proceeded to tell me that in the event of an accident anything considered as a modification would be replaced only with Standard parts. I then proceeded to hit the roof and demanded that the policy was canceled. After a few phone calls it appeared that a significant number of major insurance companies view factory fitted options in the same way (so always double check verbally and in writing) or else you might find a car after an accident with the insurance company refusing to replace like for like!!!!!!!
In the end I went with Mini insurance - at least they promised to replace like for like in the event of an accident!!!!
It does make me wonder how many people with a car with factory fitted options are unaware of what they have really got covered!!
Competition can save serious money when shopping insurers.
Call all available insurers for quotes, give them whatever info they need, then call them again after the first round in order to whittle the lowest ones down a bit. I don't think they'll mind if you're shopping for the lowest premium, most of them simply want the business and will do whatever possible to get it.
Make them work for your business, I don't think it hurts to disclose your quotes from other insurers. How else can they compete?