8 Easy Route To Cheap Car Insurance

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Insurance is one of the most expensive costs involved in driving a car, and this is not something you can avoid - a minimum level of auto insurance required by law. That does not mean you have to blindly pay whatever your insurance quote though, because there are some simple things you can do to reduce your premium costs.
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1) Shop around and buy online: figures show that many people simply renew their current policies without shopping around. Internet makes it easy to compare prices from different insurers, so why not take advantage of this? Plus, you will usually get a discount of 10% or more just for buying your policy online.

2) types of policies: Do you really need a comprehensive policy with all the extras? Going for a third party fire & theft policy can reduce your premiums so, and definitely worth considering if your car is not that expensive models.

3) no claims discount: almost all policies have a discount that increases for every year you do not make a claim. The higher the discount available, the more you can save. Also look at insurers that offer 'no claims bonus for life' are, where your current discount level can be fixed forever, even if you have to file a claim down the line.

4) the excess: Excess policy is the claim amount you must pay before the insurance company pays the rest. Choosing to have a higher than standard levels of excess usually means a lower premium.

5) Security: Fitting your vehicle with the alarm, an immobilizer or other security device can cause a reduction in premiums. You park the car off-road, for instance on the road or in a garage, will also mean a cheaper policy.

6) pay annually: insurance costs much interest you for the privilege of paying the monthly installments. Pay per year if you can afford it to avoid this, or look for a company that does not charge extra for monthly payment.

7) mileage: More mileage every year you run, the more your insurance will be charged. Even if you can not reduce your mileage, make sure you're not overestimating how much you actually do drive, and give your insurer an accurate figure.

8) driver: Driver more you have on your policy, the more it will cost. Reducing the number of people who are insured to drive your car with the minimum possible, and try to get a policy in the name of a driver with the lowest risk profile. For example, if the car is driven by men and women, insuring the woman's name will often result in a cheaper offer.