How to reduce the cost of car insurance


Less desirable and low value cars are cheaper to make
When I was 17, I wanted to own a Ferrari and living life in the fast lane. Even if I could have given the car, so I could not have given the insurance to cover it. At 17, you are brand new to the world of driving and you are statistically more likely to make an insurance claim. The mixture cars with inexperienced drivers are not something auto insurance companies are super-keen about the possibility of a claim takes through the roof with the price of the premium following. When you are young and inexperienced, buy a low-low-power car, the value to try to keep your car insurance premium to a minimum. If it is less it will cost less to fix / replace your youthful exuberance when you crash. The same logic applies in fact to everyone, plus the value of the vehicle and the lower part of the car insurance policy will be in most cases. Sports and luxury cars always cost more to repair in an accident if insurance will reflect. New cars are now equipped with anti-theft myriad helpers and drivers as in many cases help reduce the cost of insurance to keep an eye on the data sheet when looking at a new car. A good rule of thumb is that less desirable and low value cars are cheaper to insure.
Age is a concern
I mentioned above and it is worth repeating. In general, the younger you are the insurance premium for your car. This is down to inexperience and youthful belief that bad things will never happen to you. The statistics say otherwise, which is often a shock for a young driver unsuspecting that ends in an accident wondering how it got him ... The driving experience and age are generally related and leading to a method of reducing your insurance premium - any age you are, you will benefit from advanced driving course and many car insurers offer discounts for these qualifications. There can be 5 to 10 percent savings for the course, but on a premium of £ 1000 it is worth to have the economy and it will stay with you for years, so it should be a good investment, without mention make you a better driver.
Continue adding the bonus
The years you can accumulate without making an application better than most auto insurers offer a discount on your insurance for that. Indeed prove that you are a good deal and to have because you have not made claims then you are a good risk for them subscribe. There is nothing you can do here, but keep your nose clean and do not make a claim. If you own a vehicle with low value and dent car, you would be advised not to make a claim on full insurance because it would reduce the bonus, may be a small amount of money and you may even end pay for most, depending on the excess. In this case, provided that you have not caused damage to other vehicles or property, silent, fix it yourself and on your savings bonus will be soft next year - in time, when you have built three years or more bonuses, you can actually protect your bonus, which means even if you make a subsequent claim, you will not lose your bonus.
Convictions are not cool
If you are a teen center then an ASBO can be a badge of honor. Insurers are less impressed by convictions, so it is best to avoid them if you can. Excess speed to minor offenses are certainly not in the same category as the serial killer, so if you have some points, it will not be the end of the world or have a major influence on your premium depending on the insurer.
If you have a garage, use
What are the garages? If you ask the average person, they will probably tell you to store all the children toys, home gym, bicycles, freezer and dryer. I have news for you all; the garage is designed to shelter your vehicle when not in use. The fact that he put a physical barrier between opportunist thieves and your car is a real good thing and car insurance companies will recognize and reduce your premium if you park in a garage for the night. Use your garage will save you money; it does not get easier than this.
The anti-theft devices
Most modern cars are equipped with capital and factory alarm and if you notify your insurer, it will check to make sure they comply with the approved standards and apply discounts if applicable. You can get other devices that sloshing around the passenger foot until you park and then fix generally the steering wheel or gear-stick. These are mechanical devices and some attract additional cuts if used, simply do your homework before you buy. Thatcham is the organization that ranks the safety devices and generally decent mechanical safety device will feature its approval thatcham very prominent and all premium discounts you can expect, so choose carefully.
Use a reputable broker .
Auto insurance is a very large company with about 30 million + vehicles on the roads of the UK, so there are plenty of car insurance companies to choose from. Ironically, the big names you know are probably in your head because of massive marketing campaigns on television, online, etc. Whatever the message, marketing campaigns must be paid and that means they can not have in fact the best rate, although the magnitude of some of these companies means that prices will be keen because of the purchase or subscription of power. The best advice is to compare two different prices from different companies. Call the insurance company and then call a comparable competitor and maybe a small car insurance broker. Everyone will ask you if you have already price and you have to tell them what it is. In general, if they want the business, they know what to beat. The moment you get a broker saying they can not match the price, then you are probably close to the best market price or talk about anything with a broker who is not a specialist in the area.
A word of warning on price comparison sites
There are many price comparison sites around that promise to drive the cost of your policy down - Money Supermarket, Go Compare, Confused etc. They certainly do help reduce the cost of insurance that most major players are fighting for business on the same platform. When these price comparison sites do not work so well is actually advise you on the kind of policy that is best for you or your car. Would full cheaper and more appropriate than the third fire and theft? The point is that you can not ask the price comparison website for advice, which is where car specialist brokers have the edge. Compare it to buying a new home, would you buy one without an investigation? You might then when it disappears in the sea that you pray your insurance will cover ... the point is that you should not buy insurance without talking to an expert either.
Pick up the phone
The Internet is a tool of great shopping and selling, you know my feelings on this previous articles ... but I suggest if you talk to a real person in a brokerage house, then you have a better chance of getting the cheapest car insurance. They can ask more questions, clarify your needs and, if necessary, they can even delegate rates (priced themselves) if they really want the business. There is no substitute for human contact, be sure to talk to at least three different brokers to get a true comparison.
You have a zip code?
If you live in a ZIP code where there are few flights and claims then your insurance premium will be lower than that which is alive somewhere a hotspot of the known crime. If you can afford it, go to an upscale neighborhood, you will benefit from insurance premiums. Not the best way to save on the cost of insurance for you ...
Mileage and use
More miles you drive more chance you have of being involved in a claim. It is simple statistics. The fewer miles driven, the lower your insurance premium should cost. Do not tell lies, however, if you exceed the mileage reported by a distance, then it could invalidate your insurance.
Married with children?
Insurers such as selling auto insurance to married couples mortgaged and with children and jobs. You are very easy to check credit and generally display responsible behavior that hints at a lower risk for the insurer. This can reduce your car insurance quote.
Do not modify your car
We all see the bling bling cars that haunt supermarket car parks late at night and if you like neon colors sticky, noisy exhausts is neither here nor there - the fact is that any kind of change is likely to hike your premium 'car insurance. Changes may attract attention, invalidate the guarantees and in the case of noisy exhausts, may also be illegal (if it exceeds the noise limit). If illegal, it could invalidate your insurance as well. The fact is that car manufacturers spend a lot of time developing their products so they work well and so if you change it is by the window and your insurer scratching their heads wondering what to do pay - and it will almost always be more than a standard vehicle.