Car Insurance Top Tips
In this article, you will find a detailed explanation of Car Insurance Top Tips.
Car insurance industry has got competitive in the last few years, so prices
have not really changed much. There are now over 100 car insurers to
choose from, so there are some very good deals out there for those who
are prepared to shop around. 23% of motorists still choose to insure with
the same company as the year before, but they could undoubtedly save
money if they did check out some other companies.
Motorists could be forgiven for not getting other quotes; it used to be a
very laborious exercise involving long waits while being routed through the
call centre, and boring repetition of facts to sales advisors. Now, thanks to
the internet, it is all a lot simpler. Car insurers also offer extra discounts to
people who buy online.
However, you need to consider the quality of the policy, not just the price:
â€¢ Check that your low quotation is not due to an extremely high excess.
Â€¢ Check that you will get a courtesy car if your car needs to be taken in
Â€¢ Check that legal insurance cover is included, if you want it, and
automatic windscreen replacement.
Â€¢ Find out if there is an accident help line in case of an emergency.
It is a good idea to ring the insurer direct to talk through the policy in detail
before signing up online.
Money saving tips â€“recommended!
You can get a quote with over 40 car insurers if you input your details into a
good car insurance broker's website. You will only need to give your details
once. Call the insurer with the quotation to check exactly what is and is not
If you have a garage, then you will save by keeping your car there
overnight. You will also make savings if you can keep your car on a
driveway. This is because there is more chance your car being broken into
or vandalized if it is kept on the road.
Give your insurer an accurate picture of how many miles you do each year
â€“you will save if you travel less.
Some occupations, like being a property owner, journalist or professional
footballer (if only) attract higher premiums. You can save money if you
work in finance or the civil service.
Get married! Men under 30 pay more if they are not married â€“it’s just
the excuse your girlfriend is looking for!
Under 25's pay more, but you can get lower premiums if can put a driver
over the age of 25 with a good driving record on your policy as a named
driver. That person must be under 60 though, as premiums rise again at
Agreeing to higher excess (the average cost is Â£100) will help lower your
If your car is not of a high value, you could get third party cover and make
quite a saving compared to fully comprehensive insurance.
Pay as you go insurance is a new option for 18-21 year olds. It's a recent
development introduced by Norwich Union, in which you pay a unit cost
per mile. The cost per mile is more between 11pm and 6am. You pay an
initial fee of Â£199 to have a Global Positioning System fitted to your car,
and then it transmits details of your mileage direct to Norwich Union. They
send you a monthly invoice and you pay for the miles you have done!
Taking Pass Plus lessons to improve your driving abilities could save you
around a third on your premiums. They cost Â£15 - Â£30 an hour and cover
driving at night, in busy rush hour jams and fast motorway driving. You can
find out more at www.passplus.org.uk. You can also improve your driving
skills and make insurance savings with the Institute of Advanced Motorists
Find out the insurance group of a car before you make the purchase. There
are twenty insurance groups â€“the slower and less desirable the car (to
criminals) then the lower the rating. You could make considerable savings
by choosing a car in a lower insurance group.
If you want a high spec or performance car then you can expect to pay a lot
more on your insurance. They are a lot more likely to be stolen or involved
in an accident. Making the sensible choice might be a bit boring, but it will
be a lot cheaper.
Watch your speed. Most insurance companies will let you get away with a
single fixed penalty fine but if you repeat the offence then your premiums
Protect your no claims discount as soon as you can (usually after four
years). It costs extra but its well worth it.
Satellite navigation in your car will lower your premiums. Insurers have
found that people concentrate more on their driving and less on trying to
find their way, which means less chance of having an accident.
It is a good idea to have an engine immobilizer or alarm fitted not just
because it could help you keep hold of your car, it will also make you a
saving of 5-8%.
If there are two or more cars in the household, get them on the same policy
to get a good discount.
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