8 Ways To Cheaper Your Car Insurance

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2011
8 Easy Routes To Cheaper Car Insurance
Martin Luther
www.your-car-insurance.biz
Collect Free Online Car Insurance Quote,
3/3/2011
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Auto insurance is definitely an expense that no driver can avoid, but there are several
simple ways to lessen the cost as much as possible.

……….. Try these 8 ideas to see how much you could save ………..


Car insurance is among the priciest costs involved in driving a vehicle, and it is not something
you are able to avoid - a minimum degree of insurance is essential to law. That doesn't mean
you need to blindly pay whatever your insurer quotes though, as there are several simple steps
you can take to reduce the cost of your premiums.

Look around and purchase online:
Figures reveal that lots of people simply renew their current policies without shopping around.
The web makes it easy to compare prices from different insurers, so why wouldn't you make the
most of this? Plus, you'll usually get a discount of 10% or more just for buying your policy online.

Policy type:
Do you really need an extensive policy with all the extras? Going for a 3rd party fire & theft
policy can reduce your premiums hugely, and is definitely worth taking into consideration if your
car isn't a costly model.

No claims discounts:
Nearly all policies feature a discount that increases for each year you do not claim. The higher
the discount available, the greater you could save. Also look at insurers offering a 'no claims
bonus for life' feature, where your present discount level could be fixed forever, even if you have
to make a claim somewhere down the line.

Excess:
The excess on the policy may be the amount of claims you spend before the insurer pays the
rest. Choosing to have a higher than standard excess level will often mean lower premiums.

Security:
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Fitting your vehicle with an alarm, immobiliser, or other security devices can result in premium
reductions. Parking you car off-road, for example on the driveway or in a garage, will even mean
a less expensive policy.

Pay annually:
Many insurers ask you for interest for the privilege of coughing up in monthly payments. Pay
annually if you're able to afford it to avert this, or look for one of the companies who don't charge
extra for payment.

Mileage:
The more mileage you run up each year, the more your insurance will definitely cost. Even if
you can't lower your mileage, make certain you aren't overestimating how much you really do
drive, and provide your insurer an accurate figure.

Drivers:
The greater drivers you have on your policy, the greater it will cost. Lessen the number of
people insured to drive your vehicle to the minimum possible, and then try to obtain the policy
within the name of the driver using the lowest risk profile. For example, if your car is driven by
both a man and a woman, insuring it within the woman's name will often result in a cheaper
quote.
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