Car Insurance Tips To Lower Your Premiums

Category Insurance

It is no wonder that finding the best deal for your car insurance is so important for many people, after all, why pay more for something if a cheaper deal exists elsewhere. There are so many companies these days that specialise in car insurance and can offer you various deals that it can seem like a disheartening task attempting to find the best car insurance deal for you as prices may vary.

Many companies have now realised that offering specialised motor insurance aimed at certain areas can be a great way at targeting a minority group and if you fall into any of these categories then it can really help you to find a good deal. You may also find that they offer certain extras that may be of use to you that many other companies do not offer.

There are of course a number of car insurance tips that could save you a vast amount of money. These include fitting an industry standard alarm system or an immobiliser as this will help to increase security and therefore will ultimately help to keep down your premiums as your car will be more protected against the threat of theft or damage and so you will be less likely to make a claim.

With many policies you may find there are a number of additional extras that you have to pay for that you do not really need and so it is worth checking your policy first as these extras will up the cost of your premium with perhaps little or no benefit to you. The fewer extras that the car insurance company has to provide should you be involved in an accident, the lower the cost of the cover.

Where you park you car, and more so overnight, can also make a big difference as many insurers will be able to offer you a reduced rate if you can park somewhere that they deem to be ‘safe’. If you are able to then you should park on a driveway as this is considered to be one of these safe places as it should help to limit the risk of your car being stolen or any accidental damage occurring more so than if you were to park your car on the road.

Other car insurance tips that could help save money include; making sure that only drivers who will regularly drive the car are named on the insurance. It is not wise to add a young, and perhaps more inexperienced driver to insurance policy as the total will still be decided using the youngest driver. Also make sure to protect your no-claims bonus as you may find that some insurers will offer substantial discounts to those drivers who are considered to be safer.

If you decide to change your car, check with your insurer if the model will have a significant effect on the premium as a sporty model can mean a higher insurance group and often, a slightly different version could save you a considerable amount in comparison.

The most obvious tip is however to drive with more care and perhaps to consider signing yourself up for driving courses as many insurers will be able to offer you a discount if you have more driving experience.