All drivers wish to pay less for their car insurance and are always on the lookout. You can lower your car insurance premiums through a number of ways. You could change the way you store your vehicle or you could move to a safer neighbourhood. But these options aren’t always realistic. Instead, why not ensure you are making the most of the discounts available.
1. Nurture your ‘no-claims’
Nurture your no-claims discount and watch the premiums fall. A no-claim discount is the best way of cutting car insurance costs over time. Simply driving safely, avoiding accidents and maintaining a clean driving record is sure to bring down your premiums over time.
2. Choose your car carefully
We all know different makes and models of cars come with different insurance premiums, even for the same driver. It won’t hurt if you do your research before you buy as it can make a big difference to your premium. Sporty cars can attract a high premium and often a slightly different model or engine can make a big difference in your favour. It will probably save you fuel too. A sporty car or one with a powerful engine will probably not be suitable for you If you are after cheap car insurance. Use Rac Cars to browse new cars for sale to help find a practical and appropriate vehicle.
3. For young drivers, you can pick one of the cheapest cars and insure.
The cost of car insurance is often a big factor in the buying process when looking for your first car. All cars on the market belong to one of 50 different car insurance groups — This is particularly important for young male or female drivers with fast cars, which are typically more expensive.
4. Avoid car modifications
Car modifications, such as alloy wheels and body kits are often appealing to young drivers who want to personalise simple-looking hatchbacks or medium-sized cars. However, avoid them if you want the best insurance for young drivers — modifications increases premiums by hundreds of pounds. Again, this is the kind of thing that young drivers with fast cars, or those who want a fast car should know.
If you are determined to modify your car, consider if you can replace the modified parts with cheaper ones, otherwise the costs of the premiums could be much higher.
5. Get more driving qualifications
There’s a training course called “the Pass Plus scheme” its aim is to help new drivers become more adept on the road. It takes around six hours to complete but it’s not recognised by all insurers. Although, big names such as the AA, Churchill and Endsleigh offer discounts to drivers who have passed it. It is available to anyone, including those with points. If there ever was a way to get the cheapest insurance for young drivers, then the Pass Plus scheme is perhaps the simplest of them all. After you pass your test, sign up for the Pass Plus lessons immediately with your driving instructor — if they are qualified to offer it — so you can get it out of the way and start looking for cheaper car insurance sooner.
6. Shop around for the best deals.
You can save a lot of money if you shop around when you renew your cover.
Be careful though. When shopping around for car insurance, it’s important to make sure that you are comparing like-for-like cover. Some policies may seem cheaper, but you may find out you don’t have the same level of cover when you have to make a claim. Use an online comparison service to do the hard work. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes. Also check the insurers that don’t feature in comparison sites, the big two are Direct Line and Aviva.
7. Secure your car.
Fitting an approved alarm, immobiliser or tracking device can attract a discount of around 5%. Many newer cars will come with these as standard, so make sure you check if you have them and then declare them.