Independent Article #2
Five Factors in Cutting Your Car Insurance
Car insurance is one of those yearly expenses that you have to pay. If you have a car, and you decide to drive uninsured, then you’ll be breaking the law. That said, it can also be costly, especially if you don’t take time to investigate a range of quotes from different providers. If you input the incorrect data you might also find yourself paying the odds, so it’s vital that you get this right. Here are five further tips that will help you trim your car insurance quote down to size from numerous insurers:
1. Remove unnecessary named drivers – Additional drivers on your policy usually means a higher premium. A lot of people add a number of extra drivers on the policy just in case that person needs to drive the car. However, having all these drivers will push up the cost. By only naming drivers on the policy that will definitely drive the car, you can lower the final cost. If you find that an unnamed driver needs to drive the vehicle then most companies will allow you to temporarily add this new named driver for a small cost – you’ll more than likely be better off in the long run if you do this.
2. Improve Your Car Security – Most companies will give you a discount for having better security of your vehicle. An alarm and immobiliser will usually attract a small discount whilst having a tracker device installed may give you a larger reduction. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price. Additionally, putting your car in a garage instead of leaving it on the road may further reduce your quote because of the reduced likelihood of robbery or vandalism.
3. Take an Advanced Driving Test – Although not compulsory, taking an advanced driving test will both improve your driving skills and help to lower your car insurance premium. Some companies look favourably on people who have taken the advanced test as it shows commitment to safe driving, thus lowering the chance of having a motoring accident.
4. Pay Your Premium in One Go – By paying for your car insurance all in one go, you can avoid paying additional interest charges that would be added on if you opted to pay by instalments. The interest charges can be quite significant, so if your finances allow, you can save a good amount of money by paying for the whole lot up front. In most cases, companies will give you a discount for doing so.
5. Get Married – This may seem like a dramatic final way to lower your premium. However, a number of insurance companies offer lower premiums when your named drivers are insured and spouse as opposed to two unmarried drivers. Some companies believe that this shows an element of stability, and gives you a discount on this basis.
If you’re currently looking for competitive car insurance , be sure to check ASDA Finance, which offers a range of cheap quotes from a panel of providers for drivers aged 21 and over. Other recommended companies that are well worth checking are AIG Direct for their UK car insurance branch and CIS for car insurance online . Also be sure to have a look at a comparison website like Moneysupermarket to compare a wide range of quotes quickly.
1. Remove unnecessary named drivers – Additional drivers on your policy usually means a higher premium. A lot of people add a number of extra drivers on the policy just in case that person needs to drive the car. However, having all these drivers will push up the cost. By only naming drivers on the policy that will definitely drive the car, you can lower the final cost. If you find that an unnamed driver needs to drive the vehicle then most companies will allow you to temporarily add this new named driver for a small cost – you’ll more than likely be better off in the long run if you do this.
2. Improve Your Car Security – Most companies will give you a discount for having better security of your vehicle. An alarm and immobiliser will usually attract a small discount whilst having a tracker device installed may give you a larger reduction. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price. Additionally, putting your car in a garage instead of leaving it on the road may further reduce your quote because of the reduced likelihood of robbery or vandalism.
3. Take an Advanced Driving Test – Although not compulsory, taking an advanced driving test will both improve your driving skills and help to lower your car insurance premium. Some companies look favourably on people who have taken the advanced test as it shows commitment to safe driving, thus lowering the chance of having a motoring accident.
4. Pay Your Premium in One Go – By paying for your car insurance all in one go, you can avoid paying additional interest charges that would be added on if you opted to pay by instalments. The interest charges can be quite significant, so if your finances allow, you can save a good amount of money by paying for the whole lot up front. In most cases, companies will give you a discount for doing so.
5. Get Married – This may seem like a dramatic final way to lower your premium. However, a number of insurance companies offer lower premiums when your named drivers are insured and spouse as opposed to two unmarried drivers. Some companies believe that this shows an element of stability, and gives you a discount on this basis.
If you’re currently looking for competitive car insurance , be sure to check ASDA Finance, which offers a range of cheap quotes from a panel of providers for drivers aged 21 and over. Other recommended companies that are well worth checking are AIG Direct for their UK car insurance branch and CIS for car insurance online . Also be sure to have a look at a comparison website like Moneysupermarket to compare a wide range of quotes quickly.
