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Insurance Centre Tips To Lower Your Car Insurance

1. Increase Your Voluntary Excess – The excess is the first part of a claim and it is paid by you. Often this is set at about £100 by the insurer. By increasing the amount you pay in voluntary excess, you can lower your premiums—and you can really lower them, sometimes up to 60% just by increasing the amount you pay IF you make a claim. By the way, you can get this cost back if the claim is deemed ‘non–fault’ by your insurer.

2. Protect Your No–Claims Bonus – A no–claims bonus on your car insurance is a discount awarded on a renewal because no claim was paid in the previous year. The more claims you make, the more your premium goes up. In theory, the more years you go without making a claim, the less you pay for car insurance. A no–claims bonus varies from one insurer to another but typically will be in between 60–75% over five years and is applied as a discount on car insurance premium. It is possible to protect the no–claims bonus simply by paying a protection fee, meaning if you do need to make a claim, your no–claims bonus is not affected. It is possible to protect the no–claims bonus simply by paying a protection fee, meaning if you do need to make a claim, your no–claims bonus is not affected. Get a quote now.

3. Fit An Alarm – Fit an approved alarm and immobiliser. All improvements to security will help to lower your car insurance costs. Some insurers could even insist on sophisticated tracking devices before they will insure expensive cars.

4. Immobiliser – This is a security device to prevent thieves from stealing a car even if they gain entry. An electronic immobiliser is part of the engine control unit (ECU), and prevents the car from being started unless it recognises signals from a transponder in the key. Every new car in the UK has to have an electronic immobiliser fitted by law. You can also protect your car with a mechanical immobiliser such as a steering lock.

5. Paying Annually – Can save you on the total cost of the insurance premium. Often insurers will charge you more in interest to make monthly payments. But more and more insurers are offering monthly payment at no extra charge as an incentive.

6. Multiple Insurances – If you have multiply insurance policies like a second vehicle or homeowner policy you will enjoy further discount.

7. Woman Often Get Better Rates – It’s true, so why not use this to your advantage. It might be cheaper to have the female member of family as the policy holder.

8. Drive Less – Check your mileage to make sure you are not paying extra for miles you are not driving. Remember, when they ask you how many miles you will driver per year—the higher the number the more you will pay.

9. Minimise Your Optional Extras
Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium. The less your motor insurance company has to provide in the event of an accident, the lower your costs will be.

10. Be Careful Where You Park
Keep your car parked in a locked garage overnight if you can. this can help reduce the premium. More than 50% of vehicle thefts occur during the night so if your car is safely locked away it makes sense that your insurance costs will be reduced. If you don’t have access to a garage, then parking on a driveway is generally considered a lower risk than parking on the road. It’s less likely that vandalism, theft or accidental damage will occur when you’re off the highway.

11. Pass Plus Equals Reduced Premiums
If you’re a new driver looking to get your first car and car insurance we’d highly recommend that you take your Pass Plus in order to reduce your premiums.

Pass Plus is a training course specifically aimed at new drivers, designed by the Driving Standards Agency (DSA) with the help of insurers and the driving instruction industry. The Pass Plus certificate can only be obtained within the first year of passing your practical driving test.When your instructor is satisfied with your performance you will receive a certificate from the Driving Standards Agency (DSA). This certificate you will earn you large discounts with a whole host of insurance companies participating in the Pass Plus scheme.

12. Shop Around – There are many different insurers with a variety of policies and rates. We’ve selected a few top car insurance special offers from names you know and trust. Just click, fill out a quote form and instantly get free quotes from top van insurance providers. Select the lowest rates and save. It’s that simple. Get a quote now.

Get a car insurance quote now from names you know and trust.