The Eight Steps To Cheaper Car Insurance May 30, 2008
Posted by admin in : Car Insurance Articles , add a commentAuthor: Robert. Wood
Article:
Ever wanted eight easy tips for quickly reducing your car
insurance premium? Some people get all the luck.
1. Shop around
Use price comparison sites, ring up brokers and if you are
buying a new car ask the dealer. There are millions of insurance
policies out there and the more you compare, the more likely you
are to find a good deal. It isn’t exactly rocket science.
Bear in mind though that no comparison site looks at the whole
market, and that firms such as Direct Line and Churchill are
consistently omitted from searches. It is well worth approaching
them directly because in insurance big often does mean better.
Also, remember that many comparison sites do not compare
like-for-like, and will present one policy as being cheaper than
another even though the more expensive option includes useful
extras. Consider exactly what cover you need, and then ask
brokers to compare prices for these terms.
2. Look for policies that exclude what you don’t need.
Cheaper policies often offer limited cover, but this is no
problem if you do not need it. Many insurers no longer include
driving other cars as standard, but if you do not intend driving
other vehicles this is hardly a great loss and could save you
money. Similarly, you may have no need for the often expensive
courtesy car option if you own two vehicles.
3. Keep up to date
Keep your insurer up to date with any changes to your address,
vehicle or status. All of these effect the premium you pay, so
you may be in for a pleasant surprise if some have changed.
Beware though, that you must provide your insurer with
completely accurate information, and that they may refuse to pay
out if they have been deliberately misled.
4. Buy online
Insurers often offer an online discounts if you buy your policy
over the web - Direct Line offer up to 10 per cent. Don’t be shy
about ringing up to ask questions before completing the process
over the internet.
5. Pay annually
Pay your premium in full each year if you can possibly afford
to. Many insurers charge extortionate interest if use wish to
pay in monthly installments.
6. Tell your insurer if your annual mileage is low
Many firms now offer discounts for drivers who only do a few
thousand miles a year - if you’re not driving you can’t crash.
If this applies to you then ask your insurer for a suitable
discount.
7. Get a garage
Having a secure place to keep your car will also reduce your car
insurance premiums. If you have access to a garage then use it
and make sure your insurers know you are using it. Roadside
parking always leads to more expensive premiums, especially if
your postcode is a bit dodgy, so finding a more secure spot may
well save you more than it costs.
8. Immobilize your car
Some insurers will offer discounts to drivers who fit alarms or
immobilizers. Always remove detachable stereos and valuable
items from your car even if you are insured - those kind of
claims will drive your premium sky high when it comes to renewal
time.
About the author:
Robert Wood - Compare Car
Insurance Quotes.
