Insuring a car can be an expensive thing. Unless you have a humble vehicle such as a Toyota Yaris or a Skoda Citigo, chances are you’re paying an unreasonably high amount of money for your car insurance. Some of the most expensive cars to insure right now are the BMW 6-Series cars and the Lotus Evora.
If you truly love your vehicle, then you’ll probably have no problems paying your insurance because, at the end of the day, you want to protect it from theft and accidents. However, who wouldn’t love to shave off a couple of extra sterlings off the cost of their car insurance? Wel,l that’s what this article is going to be about. If you’ve ever wanted to lower the cost of your car insurance, then simply follow these following points.
Keep a clean driving record
This one’s obvious but it has to be mentioned. If you really want to keep the costs of your car insurance low, then keep a clean record. Stop getting tickets, stop violating rules and stop aggressively driving. If you do none of these things then you’re on the right track to lowering your insurance costs every year. The fact is, if you’re still young and you’re driving a car, you’ll just have to swallow higher insurance costs because you don’t actually have a driving record yet. Young drivers are more likely to get into accidents due to their inexperience on the road, so as long as you keep that clean record, your costs will go down every year.
Look around for deals
If you’re unhappy with the quote you got from one company, you don’t have to stick with it. A quick Google search will reveal several different car insurance companies such as One Sure insurance that tend to offer varying prices based on differing policies. Some insurance companies might even favour young drivers, for example, and offer better prices based on new drivers that show promise.
Secure your vehicle
Car insurance companies usually offer discounts for drivers that are manually securing their cars. If you install approved alarms, immobilisers and tracking devices to your vehicle, you could shave off a few percent from the costs of your car insurance because your vehicle is less likely to be stolen. Many new cars come with these defensive measures pre-installed, so make sure you declare these in your insurance claim so the company takes it into consideration. If you have a garage at home, then clean it out and use it for its intended purpose—your vehicle. Insurers love to hear that you’re keeping your car secure in a garage, so make use of it and save some money on your car insurance.
It sounds a little counter-productive, but if you take more public transport and generally drive less, you could save money not only on your insurance but also fuel costs! Make sure you’re truthful about how much you drive because the last thing you want to do is lie to your insurer and jeopardise your claim.