Tips For Cheaper Car Insurance

By Author: Anastacia Kriegh
Total Articles: 11
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Car insurance is of course compulsory for road users in this country. However it is not necessary at all for drivers to have to pay any more than they really need to in order to be sufficiently covered. Taking the time to look around for a good deal on low cost car insurance, and taking a few simple steps to secure a better rate, will enable you to save big.

To begin with, by accepting a higher voluntary excess you will be able to significantly lower your car insurance premiums. The standard excess from a typical insurer will usually be in the region of ?150. However if you are willing to meet the first ?250 of any claim made you will be able to benefit from a reduction in your premium.

You''ll benefit from a discount precisely because you are agreeing to take on more of the risk in case of damage or theft. However this is a gamble you should be aware of if your car is involved in a minor incident and if you have to dig into your own pocket to get it fixed.

If you ensure your car is kept safe and secure using special technology then you''ll also benefit from lower premiums. Major insurers insist on Thatcham ...
... rated security equipment, beginning with the basic device of a fitted alarm. This is not just good for your pocket; if you live in a high-risk area for car crime then it''s sensible to make your vehicle secure simply to give you peace of mind.

Using a garage is vital if you have one too. Don''t let it become the place you store away your clutter; instead, park your car in there to reduce the likelihood of damage or even theft. You will definitely benefit from lower premiums by so doing.

Furthermore it is a good idea to make sure you know how much you plan to use your car. If your annual mileage is 5000 miles or lower, then it is a good idea to ask insurers if they will offer a discount for agreed mileage restricts. They may offer a discount if you ask, even if they don''t offer it as standard.

Adding an older, named driver to your insurance policy who has a good record in using their vehicle will also allow you to benefit from lower rates on your insurance. Younger drivers meanwhile are deemed to be more likely to be involved in accidents, so insurers will punish you with higher premiums if you name one on your policy.

Quite simply, if you shop around and look at the different deals on offer then you will benefit. Take the time to look on a price comparison site, find the best quotes on offer and then go direct to the cheapest companies for more specific quotes and even try play them off against each other. That way, you''ll be able to keep your insurance premiums low whilst not compromising on cover. Anastacia Kriegh is a freelance writer with an interest in the insurance industry. They recommend Kwik Fit Insurance for cheap car insurance.