When it’s almost time to renew your car insurance for your Ford S-Max, you will receive a renewal notice from your current insurance company. If you’re happy with the service and the rates you’re paying, then you can simply let your insurer know and continue with your current policy. However, if you’re considering switching to a different insurance provider, then you may be looking for better customer service, cheaper premiums, or both.

The Ford S-Max is not an inexpensive vehicle to insure. Depending on the model and version of your S-Max, the insurance group could be anywhere from 14 to 27, which is much higher than more affordable cars in insurance groups 1-5. Fortunately, there are several ways to lower your premiums, such as taking advantage of no-claims discounts, adding security features, and passing certain driving tests.

However, the quickest and easiest way to reduce your premium is to switch to a new policy with a different insurer. Here are the best ways to get quotes and compare car insurance:

1. Go Online

There are numerous comparison sites online that allow you to obtain several quotes by entering some basic information about yourself and your vehicle. Try not to rely on a single site, as prices may vary between providers or sites. Ensure that the information you provide is accurate and select any desired add-ons to ensure that the quote you obtain is tailored to your specific needs.

Some good websites to check out include:

• parkerscompare.parkers.co.uk

• switch.com/car-insurance

2. Use a Broker

If the process overwhelms you or you’re concerned that you might not be finding the best deals available, then you could choose to work with a broker. Brokers can help you evaluate the various policies’ important differences and make an informed decision while ensuring you choose the best deal for you.

3. Contact Insurance Companies Directly

While calling insurance companies can be time-consuming and provides a limited view of the market, you may be able to obtain cheaper rates than online by doing so. When you reach out to the company directly, the insurer may offer their attractive deals to get your business.

4. Combine the Methods Listed Above

You can utilise all three of these techniques to get car insurance quotes and lower your premiums effectively. Perform an online comparison, and once you have found a few deals, take help from a broker to double-check your findings and offer their own insights.

You can also obtain a handful of quotes online and later contact each insurer to see if they will offer you the same rate over the phone. If you still can’t get a good deal, then consider combining these methods and try again.

What if You Want to Cancel Your Policy Before the Renewal Date?

If your renewal date isn’t due yet, it may be hard to pay your premiums, and you’re looking to switch to a better deal. Should you incur a cancellation fee to do so?

While switching could save you money, it’s essential to calculate the cancellation fee and double-check your savings. If the fee is greater than the savings, it’s best to wait until it’s time to renew.