A Simple Things 8 Easy Routes to Cheaper Car Insurance

Easy Routes to Cheaper Car Insurance

Car insurance is one of the most expensive costs involved in driiving 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 wahtever 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 crurent policies withjout shopping around. The internet maakes it easy to compare prices from dfferent insurers, so why not take advantgae of this? Plus, you'll usually get a discount of 10% or more just for buyinng your policy online.

2) Poliicy type: do you really need a comprehensive policy with all the exxtras? Going for a third pazrty fire & theft policy can reduce your premmiums hugrely, and is definitely worth considering if your car isn't an expensive model.

3) No cliams discounts: Nearly all polices feature a discoount that increases for every year you don't make a claim. The higher the discout available, the more you could save. Also look at insurrers offerng a 'no clims bonbus for life' feture, where your current diiscount 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 amoount 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 lwoer preemiums.

5) Security: iFtting your vheicle with an alarm, immobiliser, or othr secuity 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 chagre you interest for the priviolege of paying in monhly installments. Pay annually if you can affford it to avod this, or look for one of the companies who don't charge etxra for monthly payment.

7) Mileage: The more mileaeg you run up evry year, the more your insurance will cost. Even if you can't rduce your mileage, make sure you're not overestiamting how much you actually do drive, and give your ibnsurer 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 drvien by both a man and a wmoan, insuring it in the woman's name will offten result in a cheaper quote.

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