subject: Tips for Cheaper Car Insurance [print this page] Car Insurance is something you are required to take out by law. Unfortunately it can prove expensive. Here are some tips to reduce the cost of your Car Insurance:
Check how many miles you drive in a year
Most Insurers charge based on the amount of distance you cover in a year. When getting a quote, be sure to provide an accurate mileage. If you enter too much, you could end up paying more. Be careful not to under estimate the amount of miles you cover in a year as you could invalidate your insurance.
Trim the Fat
A large number of Insurance policies come bundled with extras such as Breakdown Cover or Legal Expenses. You should consider whether you need the additional extras the insurance company provides you with. You may well have legal cover provided by other insurance policies such as your home insurance. You should check whether this is the case or not.
Improve your Skills
As a new Driver, consider taking the Pass Plus Course. It can help to reduce the cost of your Car Insurance. It will also provide you with more experience on the open road better preparing you for your driving career.
Deter Thieves
Fit an alarm to your car. Thatcham 1 or Thatcham 2 would be best. This can help to reduce your insurance premium. If you have a Garage full of junk, clear it out and park your car in the Garage.
Shop Around
Shop around. Use Price comparison websites. Be careful to check that the policies are providing the same level of cover. Some quotes may not be the same and that's why they could be cheaper. Take your time until you find a suitable provider.
Increase Voluntary Excess
Increasing your Voluntary Excess can reduce the amount you pay for your Car Insurance. If you are in a none fault accident, you can usually recover your excess amount. However if you have a fault accident, please remember you will need to find this amount.
Get a Smaller Car
A car with a smaller engine size is generally cheaper to insure. Look for a car with a lower insurance group. Once you have built up a good no claims bonus, it should be cheaper to insure a more powerful car.
Keep your Car Standard
If you car is modified, this would normally increase the cost of your Car Insurance. Keep the car in its stock configuration as this will be cheaper.
Tips for Cheaper Car Insurance
By: Robert Szakal
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