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How to save money on car insuranceBack

When it comes to finding a car insurance policy which works for you, it is important to follow some simple instructions in order to get the best premium you can and save money.

Although there are some factors which affect car insurance that we have no control over such as age, gender and postal code area, it is important to be aware of the things we can do in order to keep car insurance premiums low. For some top tips, read the Trusted Dealers guide below:

Choose the right car

It’s worth considering your age and the amount of time you’ve been driving before you set your heart on your next new car. If you’ve recently passed your test and are under 25 years old, you’ll find the premiums on larger cars are astronomically high, so it’s best to stick to cars with a smaller engine and lower fuel credentials in order to benefit from the best car insurance premium.

Use price comparison websites

Shop around before you decide on the best car insurance policy provider to go with. Price comparison websites are the best way to compare and contrast a vast number of premiums in order to make sure you get the best value for money. Figures from the Association of British Insurers (ABI) have shown that you can save 35 per cent on your premium by comparing just five car insurance providers, so it’s well worth making the effort.

Drive carefully

Points on a driving licence will inevitably increase your car insurance premium so it’s important to drive carefully and avoid crimes such as speeding. Points remain on your licence for four years and you’ll have to declare them to a potential insurer up to five years after the incident, which could affect your premium by as much as 5 per cent. Further convictions could result in a 20 per cent rise.

Pay a higher excess

If you opt to pay a higher excess on your car insurance policy, it will certainly bring the cost down so consider the minimum payment you’d be willing to pay out if you were to have an accident and claim on your insurance. A lot of motorists will consider paying up to £500 in costs themselves rather than lose their no claims bonus, which is why some policies will offer an excess of up to £1000.

Added security measures

Be able to keep your car on a driveway or better still in a garage will greatly reduce your car insurance premium, as will installing an alarm or immobiliser.

Purchase online

Buying a car insurance policy online can save you up to 10 per cent of the cost, so it’s well worth paying for your car insurance this way if you can. Purchasing the full amount upfront will also ensure you do not incur any interest rates over the year.



Posted by Leana Kell on 04/10/2011