5 Steps To Cheap Car Insurance Premiums

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Car insurance mandatory, but it is not required to pay more than you need. Some simple steps combined with some time surfing for competitive car insurance really can save serious money at renewal time.
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Step 1 - Reduce risk and cut costs
The easiest way to cut your car insurance premiums is to reduce the risk and accept a higher voluntary excess. An insurance company's standard excess may be £ 100 but if you meet the first £ 250 of any claim, you will see a decrease in your premium. This is because you take more risks so that you get a discount. But it was a gamble, be aware that you may have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a crisis car park.

Step 2 - Security means savings
Installation of security devices can also lead to cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of alarm. If you live in a high risk area for car crime, it makes sense to adjust additional security. Save your money when your insurance renewal is due and gives you extra peace of mind.

Step 3 - Annual mileage, less means more in your pocket
If your annual mileage, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.

Step 4 - Named driver trick
Adding driver named policy you can increase or reduce your premiums depending on the driver named age, gender and driving record. Adding a young driver will increase your premium, especially with limited or poor driving records. However, adding a driver over 30 years with a long and clean driving record can cut premiums, particularly if the driver named women!

Step 5 - Shop around and save more
The car insurance savings come from shopping around. There is a big difference between the lowest and highest price of car insurance for the same car and driver. Start using either site comparitive quotes online, take the best quote and go straight to the cheapest car insurance company for more specific quotations.

So next time you arrive Offer updates, do not just accept it and give your money to the insurance company. Use the steps above and Get the right cover at the right price.