Whether you are male or female, old or young, follow our ten
steps to lower premiums.
1. Shop around for the best deals
Savings of hundreds of pounds can be found if you shop
around when you renew your cover.
Be careful though. When shopping around for car insurance,
it's important to make sure that you are comparing like-for-like cover. Some
policies may seem cheaper, but you may find you don't have the same level of
cover when you have to make a claim.
Use an online comparison service to do the hard work for
you. Put in your details and check the prices that come up. You can alter the
excess that you are willing to pay and the mileage you will drive and get new
quotes.
2. Don't put everyone on your policy
Ensure that only regular drivers are named on the
policy. You can always add someone for a few days when they really need to
drive the car.
3. Protect that no-claims bonus
A long no-claims bonus is the single best way of cutting car
insurance costs, so protect it.
This may increase the premium by a few pounds, but this
fades into insignificance against the potential loss of a 90 per cent discount
on a premium of several hundred pounds.
But the definition of a protected no-claims bonus can
vary widely between insurers.
4. Take a higher excess
Increase your voluntary excess. Agreeing to pay more
towards the cost of any accident repairs will bring down premiums. If you are
not at fault in an accident, the excess can be recovered.Beware being tempted
to allow it to rise too high, however, especially if you have a lower value car.
5. Secure your car
Fitting an approved alarm, immobiliser or tracking
device can attract a discount of around 5%. Many newer cars will come with
these as standard, so make sure you check if you have them and then declare
them.
Posted by , Published at 06.22 and have
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