How to reduce car insurance costs

Less desirable and low value cars are cheaper to insure

When I was 17, I wanted to live Ferrari and live in the fast lane. Even if I could let the car go, I couldn't afford to secure it. At the age of 17, it is brand new in the driving world and is more statically more likely to claim insurance. The mixing of high performance cars and inexperienced drivers is not that car insurers are super desirable, the chance that the claim will happen through the roof and the follow-up premium price. If you are young or inexpensive, buy a low-power, low-value car to try to keep your car insurance fee to a minimum. If you value less, you will pay less for repairs / replacements if your youthful crashes. The same logic applies to everyone, the lower the value of the vehicle and the lower the car insurance policy in most cases. Sports and premium cars will always cost more to repair the accident, so insurance will reflect this. The new cars now contain a lot of anti-theft and driver aids, which in many cases help to reduce insurance costs, so pay attention to the spec sheet when looking at a new car. It is a good rule that less desirable and low value cars are cheaper to insure.

Age of concern

I mentioned above and repeats. Usually the younger the higher the car insurance premium. This inexperience and youthful belief that bad things will never happen. Otherwise, statistics say what is often a shake for an unsuspecting young driver who is crashing and wondering what has happened to him … Leadership experience and age tend to be linked and lead to a reduction in insurance premiums – whatever age you will benefit advanced driving courses and a number of car insurances offer these qualifications. This can only save 5-10 percent for the course, but it is worth saving £ 1000 and making a good investment, not to mention being a better leader.

Keep Your Non-Claims Bonus

The more years you accumulate without the need for a claim, the better it is because most car insurance companies provide a discount on their insurance. You effectively prove that you have a good business and because you have not made any claims, it poses a good risk for them to sign. You can't do anything here, but keep your nose clean and don't demand it. If you have a low-value vehicle and park it, you are advised not to claim for comprehensive insurance because it would reduce your non-claiming bonus, probably for a small amount of money, and maybe even pay the most for the excess. In this case, provided you have not caused any damage to other vehicles or property, stay silent, repair yourself, and save your non-claim bonus will be sweet next year – at a time when bonuses have been built for three or more years that do not require a bonus , you can actually protect your bonus, which means that if you claim a claim, you will not lose your bonus.

The convictions are not cool

If you are a downtown teenager, you can have an ASBO respect. However, insurers are less impressed with their beliefs, so it's best to avoid them. Of course, lower-speed crimes are not in the same category as serial killers, so if you have a few points, it won't be the end of the world, or depending on the insurer, will significantly affect the premium.

If you have a garage, use it

What is a garage? If you ask the average person that you are probably told to store all the kids. toys, home gym, bicycles, freezer and dryer. I have news for everyone; the garage is designed to accommodate the car if it is not in use. The fact that it creates a physical barrier between the optional thieves and the car is a real good thing, and car insurers recognize this and reduce the premium if they park in a garage overnight. Using the garage saves money; It's not easier than this.

Anti-Theft Devices

Most modern cars are equipped with an immobilizer and an alarm factory and, if they notify the insurer, they will check that they comply with the approved standards and, where applicable, will apply discounts. Other devices may be placed at the foot of the passenger until it is parked and then fixed to the steering wheel or gear. These are mechanical devices, and some are attracted by additional discounts, if used, they only buy the homework. Thatcham is the organization that classifies safety devices, and usually a decent mechanical safety device will be prominently displayed with the approval of Thatcham, and possibly with premium bonuses that can be expected, so choose carefully.

Use a reputable broker

Car insurance is a very big deal, with about 30 million + vehicles on UK roads, so you can choose from many car insurance. Ironically, the big names they know are probably in your head, because on television, on-line, etc. There are huge marketing campaigns. Regardless of the message, these marketing campaigns have to be paid for, which means that they do not really have the best rates, although the mere range of these businesses means that prices will fall due to buying or insurance law. The best advice is to compare some different prices from different companies. Call the insurer, then call a similar competitor and maybe a small car insurance company. Everyone asks if they already have a price and you have to tell them what it is. Usually, if they want their business to know what to beat. The moment a broker says he doesn't meet the price, he's probably close to the best market price, or he's talking to a broker who isn't an expert in the field.

Warning on price comparison pages

There are a number of price comparison sites that promise to reduce the cost of insurance policies – Money Supermarket, Go Compare, Confused, etc. Most major players on the same platform are struggling for business. If these price comparison pages do not work as well, they will actually advise you on the best policies for you or your car. The overall is cheaper and more appropriate than third party fire and theft? The point is that you can't ask for a price comparison site for any advice that car dealers have. Compare with buying a new house, buy it without a survey? You may, and when you leave the sea, pray for your insurance because the insurance is not done without talking to the expert.

Pick up the phone

The internet is a great shopping and selling tool, I know my feelings about previous articles … but I suggest that if you speak to a real person at an intermediary, there is a lot better chance of get car insurance . You can ask additional questions, clarify the requirements and, if necessary, pass on the price (the price is determined by them) if they really want the deal. The human relationship is not a substitute, just make sure you talk to at least three different brokers to get a real comparison.

Did you get a good postcode?

If you live in a zip code with little theft and claim, the insurance premium will be lower than somewhere in the known crime spots. If you can afford, move to a pleasant area and receive lower insurance premiums. You may not be able to save on insurance costs …

Mileage and Usage

The more miles you drive, the more likely you are to take part in a claim. It's simple statistics. The fewer shares can be covered, the less the insurance premium. Don't tell me to lie if you exceed the specified mileage, you can cancel your insurance.

Married to the children?

Insurers, such as It is very easy to authenticate, and generally shows responsible behavior, which is a lower risk for the insurer. This can reduce your car's insurance bid.

Do Not Change Your Car

We all see that late night supermarket fleets are accompanied by bling cars, and if you like sticky neon colors and loud exhausts, the kind of modification is likely to increase your car's insurance premium. The modifications can draw attention, void the warranties, and may be illegal in the case of loud exhausts (if above the noise limit). If it is illegal, it can void your insurance. The fact that car manufacturers spend a lot of time developing their products to work well, and if they change them, it is out of the window and its insurer gets its head and is thinking about what to spend – and it will almost always be more like a normal vehicle.

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