Tips For Cheaper Car Insurance

Car insurance is of course compulsory for road users in this country. However, it is not necessary at all for drivers to have to pay any more than they really need to in order to be sufficiently covered. Taking the time to look around for a good deal on low cost car insurance, and taking a few simple steps to secure a better rate, will enable you to save big.

To begin with, by accepting a higher voluntary premium you will be able to significantly lower your car insurance premiums. The standard excess from a typical insurer will usually be in the region of $150. However, if you are willing to meet the first $250 of any claim made you will be able to benefit from a reduction in your premium.

This is ultimately because you are agreeing to take on more of the risk. If your car has a broken window after an attempted theft, you may need to fork out more if you have a deal such as this. However, it will mean you'll get a discount.

Keeping your car safe and locked up is always sensible. It is very much worth making effort to keep your vehicle secure. Getting your car fitted with extra features to boost its security may cost a little money, but it will enable you to make good savings through lower insurance premiums. As well as this it will give you added peace of mind and genuinely make your vehicle less vulnerable to theft and damage. Fitting a Thatcham-rated alarm for instance is a great place to start.

If you have access to a private garage then make sure you use it as it will also keep your car secure and enable you to reap the rewards of lower premiums.

Restricting your annual mileage could pay off for you too. You may be able to negotiate with your insurer for a discount if you stick to an agreed mileage limit. As in all things, make sure you ask your insurer about this: many will not offer a discount like this as standard with their insurance deals, but may well do if you ask them about it.

It is wise to be wary when adding a new named driver to your existing insurance policy. Younger drivers are regarded as being at a higher risk of involvement in an accident, so are bound always to face higher premiums. Adding an older and more experienced named driver however will be rewarded through lower premiums. So if you have an older relative in your household it may be worth your while to add them even if they don't use your car especially often.

Quite simply, if you shop around and look at the different deals on offer then you will benefit. Take the time to look on a price comparison site, find the best quotes on offer and then go direct to the cheapest companies for more specific quotes and even try play them off against each other. That way, you'll be able to keep your insurance premiums low whilst not compromising on cover.