Getting cheap car insurance is the ultimate goal of most people given that insurance is a legal requirement. Sadly, poor drivers have pushed up the cost of even the cheapest car insurance, especially for young drivers' insurance.
Use Car Insurance Comparison Sites to Get the Cheapest Car Insurance
The majority of people only check with 3 car insurance companies before buying car insurance. Using online car comparison sites allows someone to get the cheapest car insurance. Car insurance is usually about 10% less expensive when purchased online.
Careful Car Selection to Secure Cheap Car Insurance
All models of car are placed into a banding between 1 and 20. Those that fall into the higher banding are typically higher performance cars and attract higher insurance premiums. Getting a smaller car will help reduce car premiums.
Stay away from Imported Cars
It is more expensive to get replacement parts for imported cars. The higher expense means that vehicle insurance is more expensive. However, the cheaper cost and mileage may offset the additional premium that will needed to be paid to car insurance companies.
Use Anti-Theft Alarms
Most car insurance companies offer customers a discount when a car has an anti-theft alarm installed. By equipping a car with a central locking alarm it is possible to secure cheaper car insurance than would otherwise be possible.
Buy Multiple forms of insurance from the Same Company
A number of insurance companies will offer customers a better price for buying several forms of insurance from them. Check to see if this would result in savings, but check on a car insurance comparison site to validate that the savings are genuine.
Drive Carefully to Get Cheaper Car Insurance
A spokeswoman for Esure recently told The Guardian that "An analysis of more than 750,000 customers had shown that those who had committed a speeding offence in the last 12 months were 12% more likely to make a claim in the next year."
Having fewer accidents, not getting speeding tickets etc will result in cheaper car insurance. Taking the pass plus driving test will result in additional driving proficiency and can even help reduce young drivers insurance.
Volunteer Some Excess
Offering to pay the first few hundred pounds of any claim can result in cheaper car insurance premiums. Car insurance companies save money as they pay out less frequently and these savings are passed on to the customer.
Making a few careful decisions before buying a car can save a small fortune when buying vehicle insurance. Always use car insurance comparison sites to price compare car insurance companies. Most importantly, drive safely and try to park in a garage rather than on a busy road.
Those that are interested in getting cheap car insurance might also be interested in Advice for those considering mortgage insurance and Choosing the right life insurance product to protect the family.
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