inding yourself a good deal for your car insurance can be a real job. We’ve put together a few tips you to hopefully make this a little bit easier. There are some useful tips to get cheapest car insurance for your insurance premium.
Don’t accept the renewal quote without knowing exactly what’s out there. Likewise, if you’re buying a new car don’t accept the dealer’s insurance offer without shopping around first. Use a price comparison site to save yourself time.
If possible, pay your premium up front in one payment. If you space out your repayments, you can end up paying up to a third on top of your original premium. If you can’t afford to pay the whole premium off at once, consider taking out an or percent credit card to spread the costs.
Be A Good Driver – Earn a No-claims Discount
A bigger driver, not causing any accidents or make any claims will earn you a healthy no claims bonus. This will get you discounts on any future premiums. A note claims discount can be transferred between insurance. You could get a sweet 75% discount if you stay clean free for five years or more.
Buy a Cheaper Car
A more expensive car is a higher risk to the insurer, and you’ll have to pay for that. Also, go easy on the modifications. A souped-up engine, spoiler, or noisy exhaust will add pounds to your premium. On the other hand, a car alarm or immobilizer will lower the price.
Think About Parking
Insurers want to know where you’re most likely to park your car overnight. Parking your car and its secure locked garage is best, but also parking off road or in a private space is good as well. Your postcode is also a factor, the area with higher crime rates are always more expensive.
Opt for Higher Excess
The excess is the amount that you will contribute to any repair or claim before the insurance kicks in. But if you opt for a high excess, consider whether you could really afford to pay this amount in the event of an accident.
Add Another Driver
Surprisingly, adding another driver to your premium can reduce what you pay. Older more experienced drivers with a good driving history are best. Married couple or cohabiting cup also pay less than Singleton’s, so if you’re coupled up make sure you tell your insurer.
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Consider Pay as You Go
A couple of insurers, offer pays you to go insurance. A monitor your driving habits but fitting a GPS device to your car. These policies tend to be aimed at young people and aim to dissuade people from driving at night when most accidents happen. They could be worthwhile if you don’t drive much and stay off the road between 11:00 p.m. and 6:00 a.m.
Think About How You Use Your Car
When you get a quote for car insurance, ensures we’ll ask you what you use your car for. If you don’t use your car for business purposes or to get to work and back simply tick social and your premium will be cheaper.
Cut Down On Extra
Courtesy cars cover abroad and being covered to drive other people’s cars may be useful, that consider whether you really need them.