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Top Ten Car Insurance Tips |
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We have put together a handy list of
hints that can help you to reduce your car insurance premiums, enabling you to
skimp on the costs without cutting down on cover.
- If you were looking to buy a home, you wouldn't buy the first house
you came across. The same goes for car insurance- shop around. The insurance marketplace
is a very competitive one with rival companies continually attempting to undercut
each other. There are many great deals to be had by the discerning buyer and the
Internet is the ideal shopping mall.
- Your No Claims Bonus is one of the key ways in which you can help to
reduce your car insurance premiums. Whilst on the roads keep a clear head, thinking
not only about your safety but also your pocket.
- If you fall into a specialist category then you are likely to get a better
deal from a specialist insurer sympathetic to your needs. If you are an older
or female driver then you could benefit from discounted premiums. Low mileage
drivers and certain professionals can also benefit from lower insurance rates.
- By lowering the number of named drivers on your policy you can reduce
your car insurance costs considerably. It is very rarely worth your while including
a driver on your policy just in case.
- Your excess level is the amount of money you agree to pay on your claim
before your insurer meets the rest of the payment. By agreeing to a higher level
of voluntary excess you can help to reduce your car insurance costs considerably.
- If you are purchasing a new car then it is worth your while considering
its type and the repercussions this could have on your car insurance costs. An
easily maintained and unobtrusive vehicle is the best car to have for insurance
purposes, whereas an extravagant sports car with an impressive engine capacity
is an insurance no-no. High profile performance cars are not only more likely
to be driven at higher speeds and therefore more likely to be involved in accidents;
they are also far more likely to targeted by vandals, joy riders and thieves.
- If your car features safety and security devices or designs then you
can benefit from lower car insurance premiums. Immobilisers, alarms, trackers,
airbags and crumple zones can all help to increase both driver and vehicle safety,
as well as reducing insurance costs. Many newer cars come with such features as
standard, but if you intend on fitting devices yourself then be sure to discuss
it with your insurance company first and ask for their recommended brand and fitting
procedure.
- Today many insurance companies offer a whole range of insurance products,
from car insurance to life and home cover. By consolidating your insurance policies,
and holding them all with the same insurance company, you can often obtain valuable
discounts. Consolidation not only saves you money, but can also help to make your
life easier. Similarly, if you own a number of vehicles then try to insure them
all with the same company. Often you can insure all your cars under the same policy
for a lower rate; this is usually referred to as 'fleet insurance'.
- Your home address will have a surprising importance when your car insurance
premiums are being calculated; your postcode can be assessed for risks down to
the last three figures. Motorists who live in inner city or urban areas will be
stung for higher insurance premiums than their rural counterparts. This is because
cities not only have higher crime rates but also busier roads; the potential for
incident or accident is far greater. If you have a city address but do not keep
your car at home, or if you keep your vehicle locked up in a garage, be sure to
make your insurance company aware of this- you could save valuable money on your
insurance premiums.
- By obtaining additional driving qualifications you can not only refresh and
better your driving skills, you can also help to reduce your car insurance premiums.
Being a member of recognised organisations such as the Institute
of Advanced Motorists or the Royal
Society for the Prevention of Accidents you can also help to reduce your insurance
costs. Visit the Institute of Advanced Motorists' website to read more about their
forty minute test that could make a real difference to your driving and your bank
account.
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