Finding a good deal on your car insurance can be a stressful task – you can look through hundreds of car insurance quotes, weigh up their pros and cons, and still feel like you’re getting nowhere. You can make the whole arduous task a whole lot easier on yourself by being clued up on what to expect and by being armed with tricks you can employ to bring down your quote.
Firstly, don’t stay with your current insurer unless they are offering the best deal. Many drivers simply renew their cover without considering whether or not they might be overpaying. Shop around and find out who can offer you the best deal before deciding whether or not to leave your current insurer.
Remember that one insurer may seem to be the cheapest, or the best deal, but unless you are comparing exact like for like cover you are unlikely to get a true picture of what’s being offered. Have a clear idea of the product you will be chasing before you start consider quotes.
Don’t be afraid to increase your voluntary excess – by agreeing to pay more towards the cost of repairs on your vehicle you can stand to bring your premiums down significantly and if you are not at fault in the accident any voluntary excess can be recovered.
You should only be naming regular drivers of the car on your policy – insuring a vehicle to allow it to be driven by any driver can push up premiums. Avoid adding young drivers to your policy if possible as the risk a young driver presents to insurance companies usually mitigates any saving you might be making from naming individual drivers.
Take security seriously and fit whatever devices you can to deter thieves – by fitting an approved alarm, immobiliser or vehicle tracking device you could see premiums drop by about ten per cent as you will seem to pose less of a risk to the insurers. This can also save you a lot of grief as it will put thieves off taking your beloved car and your belongings in it!