5 Steps To Cheap Car Insurance Premiums
By By Simon Markham
Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you hundreds. Step 1 - Cut the Insurer's Risk
The easiest way to cut your car insurance premiums is to reduce the insurer's risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch. Step 2 - Security
Fitting security devices can also result in cheaper car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind. Step 3 - Annual Mileage
If your annual mileage is 5,000 miles or less, ask insurer's if they offer discounts for agreed mileage restrictions. Step 4 - Named Drivers
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will certainly increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female! Step 5 - Shop Around
The biggest car insurance savings come from shopping around. This has been made much easier with the explosion of the internet. There can be massive differences between the lowest and highest car insurance quotes for exactly the same
Progressive Review: Getting screwed
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Progressive Review: Just a big LIE
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AAA Review: AAA Sucks
Reviewed by JIMMARMI from Davison, Mi on December 29, 2011. Recommend: No.
Progressive Review: The worst...
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Westfield Insurance Review: No loyalty to a 22 year policy holder
Reviewed by BRUCE from NORRISTOWN PA on December 13, 2011. Recommend: No.
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Progressive Review: Stay away -- they are PROGRESSIVE
Reviewed by Stranger from Miami on October 24, 2011. Recommend: No.
Westfield Insurance Review: Sarcastic Adjuster
Reviewed by JC from Medina, Ohio on October 12, 2011. Recommend: No.
USAA Review: USAA Slow Misrepresentative
Reviewed by skyewalker99 from Daytona Beach Florida on October 4, 2011. Recommend: No.
Allstate Review: AllState Refused Responsibility
Reviewed by Patricia Grubb from Fort Worth, TX on October 4, 2011. Recommend: No.
ACUITY Review: Acuity Ok
Reviewed by TE from Wisconsin on September 28, 2011. Recommend: Yes.
State Farm Review: with this co. about fifty years
Reviewed by arniet from miami, florida on September 12, 2011. Recommend: Yes.
Selective Insurance Review: Worst Claim Service EVER
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GEICO Review: scammers that dont pay claims
Reviewed by solar pro from chester county on August 6, 2011. Recommend: No.
car and driver(s). Start off using good comparative online car insurance quote sites like Moneysupermarket and Screentrade, take their best quotes and go direct to the cheapest car insurance companies for more specific quotations. Copyright © UK Insurance Index. All rights reserved. Please feel free to publish this article online provided that the article and copyright statement remain unchanged with live links.
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