8 Ways to Cut Car Insurance Costs

http://www.gocompare.com/

Car insurance is compulsory, it doesn’t have to be expensive. Here are some easy steps you can take to drive down the cost of cover.

1. Shop around online

Don’t just renew your car insurance with your existing insurer, you must do your research, as there's no reward for loyalty when it comes to car insurance. Shopping around online to compare prices from range car insurance providers is a good way to try and find a lower quote. Moving to a new provider is straightforward, stress-free and can save you a considerable sum. http://www.gocompare.com/ is a very good comparison site, as the name suggest.

2. Higher excess

A simple way to knock pounds off your premium is by opting for a higher voluntary excess. However, do be aware that you will have to cough up more of your cash in the event of a claim. Again, go compare with http://www.gocompare.com/

3. Keep it safe

Insurance providers look at the risk every driver presents, so you could get a better deal if you can reduce that risk. Improve your car security by installing an alarm and immobiliser, and keep premiums down by parking your car in safe area - preferably in a garage, a driveway or in a secure parking zone.

4. Reduce mileage

There are savings to be made by opting to only drive at certain times of the day (e.g. not during peak traffic), and by reducing the mileage you do each year.

5. Think small

As bigger and faster vehicles will cost you more to insure, why not go for a smaller car. Avoid models with sporty letters after it – such as i, sxi or gti – as they usually signify a more powerful (i.e. a more expensive to insure) version of a standard model. And don't be tempted to modify your car with, for example, side skirts or tinted windows, as modifications will often bump up your premium.

6. Change the way you pay

If you pay for your motor cover in monthly instalments, then you could be paying through the nose for spreading the payments across the year. Pay your premium in one upfront lump sum instead, and you could see your costs slashed. Make sure you do your sums though... If you’re considering paying on your plastic, it’s worth considering the APR of instalments versus the APR of your card.

7. Pass Plus 

If you're a new driver than you're going to be worst hit by rising prices, so invest some time and money in taking the Pass Plus course designed to give young drivers additional practical driving experience. This demonstrates to insurers that you are a safer driver and, once completed, could reduce your premiums by around a third.

8. Be Honest

Don’t try to get away with not telling the whole truth in a bid to reduce costs. If you mislead your insurance provider, you may be committing insurance fraud. This could invalidate your cover, and if you caused an accident, you would be responsible for all the costs yourself. Insurance fraud also means you will have a lot of difficulty finding car insurance in the future. 


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HOW TO GET THE BEST DEAL On your CAR INSURANCE

WE normally receive a renewal notice from our existing insurer when our CAR INSURANCE is about to due for renewal.

When we do received it, HERE you should do to get the BEST DEAL.
    - Take note of the quoted price for fully comprehensive cover
    - Shop around for a better offer. Visit some comparison sites like http://www.gocompare.com or make some calls to other brokers. Another good site,http://www.comparethemarket.com and http://www.swinton.co.uk/ have some great offers.

    - Phone back your existing insurer and tell them what you've been offered, the price, the company offering it.

Chances are, that they not only would they match the price, they might reduce it further. I know most people get other quotes when their insurance renewal come through, and most don't consider coming back to their existing insurer when they've got the best quote from somewhere.

Do consider getting back to them. Chances are you got even more better offer.

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Tips on HOW TO SAVE MONEY ON YOUR MOTOR INSURANCE

If you have a motor vehicle, insurance is a necessity. Here are ten TIPS to cut the cost of your car insurance.

1.       Stop Around

Many people just renew their insurance with the same company for convenience. However, by spending time shopping around you can be offered a range of quotes some of which could save you hundreds of pounds. In as much that you’re reading this blog means you got internet access. So why not try www.comparethemarket.com. The site compares the insurance markets in an instant.

Other sites to check out: www.gocompare.co.uk; www.confuse.com

2.       Restrict the number of drivers

The less people who drive your car, the cheaper your insurance should be. Don’t insure it for ‘any driver’ if only you will drive it. If you insure your teenage children to drive your car, it will bump up your policy, just like stating ‘any driver’ can drive the car. If more than one driver does drive the car, the person named as the main driver may influence the cost of the insurance. Example, if husband and wife drive the same car, having the wife as the main driver may cut the cost slightly. The main driver shouldn’t in high risk job.

3.       No claims

The more years of no claims, you have the cheaper insurance should be, so consider wisely before you make a claim. If you have reversed into your fence, it may be better getting your car fixed at your local garage than claiming off your insurance, since no one else is involved.

4.       Make Your Car More Secure

Make your car more resistant to thieves. Get your car fitted with alarm and immobiliser and some insurance companies will offer you a 10% to 20% discount. If you keep the car in the garage at night, tell the insurer, this could give you an extra 10% off your premium.

5.       Lower Mileage

If you don’t travel much a year, you could get a discount, because the less you use the car the less you are likely to have an accident, so less risky you are to insure.

6.       Extra Voluntary Excess

Many policies require you to pay excess to make a claim, but if you opt to pay more you could get a discount.

7.       Get correct Policy

Make sure the policy the company is offering is suitable for you. Some companies automatically add money on for cover overseas. Check this out. If you need it, fine, otherwise, ask to be taken out.

8.       Check out Owner’s Club

Sporty or classic car owners’ club usually offers insurance cover cheaper as compare to the big names. Check it out.

9.       Get A Different Car

If the insurance is ridiculously high, then may be the kind of car is the problem. Maybe change to smaller car, a British made which is usually easier to repair.

10.   Third Party Policy

If every company is quoting high, there is the option of taking out Third party fire and theft cover. These are cheaper, but they don’t offer same standard of protection. Consider this option very carefully. It may not work out to be beneficial as fully comprehensive cover, if you did have an accident.