Ways To Get Cheap Car Insurance
Car Insurance: Last year, the average car insurance premium was £ 440, which is a big slice to find if you pay it in one go. The increase in interest rates is largely attributable to the increase in insurance premium tax, but other factors include personal injury and increased repair costs.
So what can you do sensibly to keep your next premium as low as possible? Here we find the most important ways to help you help yourself.
Go for the lowest car insurance group
Each car goes into one of a number of insurance bands, with factors such as repair costs, driver assistance systems, safety kit and so on all the influences that band the car is going in. Check which band the car you want is in Less powerful model, or one equipped with more safety equipment. Go low, there is an important factor in reducing premiums.
Look around for car insurance
Do not look for a moment that ensures the insurance for you and wants to keep your business. There is no loyalty shown, so show no return. Do not just stay with the same insurer, look around, change, use the system they play.
Over 50% of car burglaries occur during the hours of dark, so if you can keep your car in a garage that will lower the premiums. Nevertheless, a driveway is a better risk than in the parking lot. If the car has no alarm and an immobilizer when installing a Thatcham 1 or 2 system, the costs are lowered again.
They have bought a car to drive, but the reality for many younger drivers is that the less they drive, the more favorable it is. If you are willing to limit your number of miles – and not think about it for a second, you can save money.
If you are caught for speeding up, then you can get well and points, and the points will be your bonus on. If offered, take the driver’s awareness course and avoid the points – the cost for them will be less than the alternative increase in premiums.
Keep your no claims bonus secure
A small prang might not be worth insisting on the insurance claim since again the cost would be less than the premium rise. A no claim discount is a very valuable thing, so try to protect it.
Go on an advanced ride
A course could reduce up to 35%. If you are a new driver, go for Pass Plus, which is run by the Driving Standards Agency. If you are an experienced driver, one of the courses that run from the IAM RoadSmart program will benefit your bonus.
Add a black box
Telematics policies sound a bit scary and there’s a bit of the Big Brother about them, as basically it’s a black box that constantly monitors how you drive. However, come with this brave new world, ride reasonably and you will be rewarded with a lower premium. It can be a rescue line for younger riders, but you must avoid driving late at night.
Download your surplus
The surplus is what you voluntarily pay to any claim, a figure usually about £ 250. But when you raise this figure, the bonus goes down – and you cross your fingers that you do not have an accident like you’re for a bigger sum Front.
As with most things in life, when you pay in installments, you pay more. So, if possible, pay the annual premium in one train, and you’ll benefit the whole year.