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Monthly Archives: July 2018

Save Money on Cheap Car Insurance

Start off by clearing all the old junk out of your garage, making enough room to squeeze your car in. A vehicle parked in a garage is so much less likely to be stolen or vandalised than one left on the street and a car insurance company will recognise this, giving a significant discount.

If there’s no garage available then the driveway still beats the street but do make sure that you get hold of a decent steering lock and, if possible, invest in an immobiliser too.

Arrange to go on an advanced driving course where you’ll learn a few extra little skills. It may seem a big hassle, especially if you’ve just passed your test, but motor insurance companies put a big value on courses such as Pass Plus, and as a result you should save a few extra pennies. As well as that, you’ll learn some valuable driving skills that are definitely going to come in handy somewhere down the line.

However much discount you’re going to be able to negotiate, your car insurance is still going to cost a fair bit. It’s tempting to spread the cost of the payment out over the course of a year, but if possible, try and pay it all up front. Most motor insurance firms charge a fairly high rate of interest, so if you really can’t afford to pay the lump sum, see if you can borrow the money more cheaply somewhere else.

If your car is getting on a bit, consider buying third party, fire and theft cover instead of fully comprehensive. If you drive a bit of a heap then think about whether your car is worth the extra premium that you’ll pay to get it comprehensively covered. You’ll still be insured against any damage that you cause to another vehicle or person and you’ll receive the whole value of your car if it happens to get stolen or burnt out.

Shop around for a quote; don’t just buy from the first company you come across. Try different combinations of options that are available to see what the best price you can get is. And if you do find a cheap car insurance quote that you think sounds good, tell another company and give them the chance to undercut the price. After all, they’re desperate for your business and so should be willing to knock off a few pounds to have your custom.

Most importantly, buy your car insurance online. High street insurance firms aren’t worth dealing with as they won’t have a chance of matching an online quote. An online firm, on the other hand, has got lower overheads so can afford to cut the price right down and give you a bargain.

Reduce Insurance Premiums

When car insurers provide you with a quote they run through a model that assesses what the potential risk is to decide how much to charge you for your insurance. The lower risk you are, the less you’re going to have to pay.

Here are a few of the things they consider when they’re deciding how high the risk is so the more of these you can reassure them with, the lower your quote is likely to be:

– They’ll ask you if your car is garaged overnight. This is because statistically cars left on the street at night run a much higher risk of theft or damage than if it’s safely tucked away in a garage. Even having the car on a driveway can help.

– They’ll ask you how many miles you drive. This one is obvious, the more miles you drive, the more chance you have of an accident. Try and be as accurate as possible with this one because an overestimate will cost you more.

– They’ll ask you if you’re married. Statistically people who are married have fewer accidents than single people and this is reflected in your premiums, particularly if you’re under 30. It’s a bit extreme popping the question to lower your car insurance, but if you’re thinking about it anyway, why not?

– They’ll ask you what your job is. Professional footballers crash cars much more often than accountants. If your job doesn’t fall into one of their categories directly, make it sound very dull and safe.

– They’ll ask you about additional drivers. If you’re young, it can be a benefit having an older driver on your policy so it could be worth asking Dad, even if he’s never going to drive your car.

– They’ll ask you about accident excess. If you are prepared to pay more yourself in the event of an accident, they’ll reduce your premium accordingly.

– They’ll ask you about levels of cover. If you’re driving a really old car fully comprehensive insurance might not be your best option. Consider a 3rd party option and run the risk of losing the car if you crash it.

– They’ll ask you about your licence. If you’ve got endorsements for speeding they’re got going to be impressed. Similarly, if you have advanced driving qualifications (you can do courses to improve your driving skills) they are going to be much more impressed.

Get Deal on Car Insurance

Only pay for the involve you must. While this seems like an evilessen receipt, it is surprising just how greatly specially involve we pay for but will never use. Again, save around for policies that match your circumstances.

From what you have read so far, determine if this article has answered any of the questions that you had on this complicated subject.

For example, a budding number of companies are presenting really competitive repeats for particular low luck groups such as elder drivers, women, downgraded mileage drivers and drivers with low luck jobs.

Qualifications such as the superior lashing or control lashing tests can make a titanic lessen in your car insurance document and it may be value your while thorough out insurers that specialize in that area.

For the norm driver, savings can be made by right accessories that downgrade the luck of accilessen or theft. skin such as airbags and opposing-stiffen braking systems can downgrade the number of accilessens on the street while vehicle immobilizers and satellite tracking systems will reduce the luck of theft.

Many car manufacturers are with wellbeing and wellbeing accessories as flag now so it pays to judge them when trade your next vehicle.

Where you save your vehicle also makes a difference to your car insurance charge. Is it garaged at night? How steady is the garage? Do you have CCTV, wellbeing patrols or a manned gateway? All these factors make it harder for thieves to take your vehicle and so magnetize reductions in your rule charge.

While looking at customs to cut your auto insurance premium charges many people are tempted to downgrade involve or upgrade the spare they are keen to pay. I personally think that this is a deceitful budget that could charge you extremely in the aftermath of a aver.

It is greatly easier and charge operative to purely exclusive the parts of the rule that are related to your lashing manner and cut out the involve that you do not demand. In this way, you are still copious involveed for lowest charge.

Types of Insurance Companies

Special Car Insurance

This kind of auto insurance is designed for vintage, classic and collectible cars. It has all the benefits that comprehensive insurance offers, so you are protected against all possible scenarios. Keep in mind that special car insurance does impose a certain limit- you can only drive your vintage car for a limited number of road miles a year. Be sure to talk to your insurance agent thoroughly about this matter.

Third Party, Fire & Theft Auto Insurance

As the name implies, you can only file for a claim under this type of insurance if you are at fault in a given accident, in the event of fire and if your car gets stolen. If you hit a wall or if another car hits you, you cannot claim for anything (you should instead let the insurance company of the person who hit you pay for the damages). This insurance is inexpensive, and is ideal for people who drive older cars that have already depreciated in value.