Tips for Cheaper Car Insurance Quotes
Paying for car insurance isn't something that many people really want to do. It's costly, and when you pay for it you're hoping that you're paying for something you'll never actually use. But it's a necessity, and if you take some time and use some of these tips it might not work out as costly as you were expecting.
Firstly, you might not be able to do anything about some factors that influence your car insurance quotes (for example if you're young, you'll be given a higher quote than someone who is older than you and/or more experienced at driving than you – there's not much you can do about that other than wait to get older!). But you can do other things to reduce your car insurance premiums.
To receive cheap car insurance quotes choose a car that is in a low insurance bracket, for instance: a car with a smaller engine size and lower acceleration capacity, and one that is cheaper to repair or replace, and don't modify it as modifications can make a car more attractive to thieves and your insurers can bump the premium up to reflect that increased risk. Make sure you park it in a locked or secure garage overnight. Fit or buy a car that already has fitted a Thatcham-recognised alarm and immobiliser system.
Those things will reduce the risk that your car will be stolen or driven at high speeds, and that it will be very costly to repair or replace in the event of an accident.
You can also agree with your insurers that you will only drive a limited number of miles each year – if, for example, you only use your car to get to and from work and you work quite locally, it will be easy to estimate your annual mileage (add on some for weekend travel and holiday travel). If you don't drive as far, you're less likely to be involved in an accident, statistically, so there's less risk to your insurers that they'll have to pay out a claim. Make sure your mileage estimate is accurate though and if you do go over it be sure to tell your insurers – you might have to pay some extra premium but it's better than having your policy declared invalid because you misled your insurers about the sort of mileage the car would be doing.
To further reduce your car insurance quote you can take a greater portion of the risk of an accident or theft yourself by accepting a greater insurance excess. If you had an accident and only had to pay an excess of £50, you're more likely to make a claim than if you had to fork out an excess of £500 – if you had the latter excess and had a small bump you might be more likely to sort out the damage yourself rather than seek an insurance pay-out.
That can be a great way to save money – but it can also be a great way to chuck £500 out of the window if you did have an accident and couldn't afford to sort it out yourself. So strike a balance between an excess that will reduce your car insurance quote and a figure that you could live with having to pay if you did need to.
The safer you drive, the lower your car insurance quotes will become over time – you'll build up a no-claims bonus for each year of claim-free driving, and provided you don't get any driving convictions there's no reason why your car insurance quotes shouldn't become more reasonable over time. Search online to find the best cover for the lowest price to further reduce your premiums.
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