Ten Tips To Get Cheaper Car Insurance
In the United Kingdom it is law that you have current auto insurance if you want to drive on the public roads. So, why pay more for your auto insurance if you don’t have to. After all the money is better off in your pocket instead of theirs.
Here are ten ways to help you get cheaper auto insurance. If you can implement some or all of these, you will possibly save some money on your auto insurance.
1. Shop around every year for a better deal
To get the best deal on your auto insurance, you need to compare insurance providers, preferably once a year. With the use of the web it is not a difficult task. Different companies have special offers at different times so you might be able to change to a provider that has a current deal on when you are looking to switch. There is no charge for you to change insurers, and companies often provide new customers with extra bonuses.
2. What bolt on “Goodies” are included?
Most insurance policies are now very simple and you can add other features and services at an extra cost. Do you need all of the extras that are provided?
3. Courtesy Cars
You need to find out if a courtesy car is included in your insurance policy. When is the courtesy car supplied? Does your car need to be a write off or only damaged? Do you need to pay extra insurance on the courtesy car? If this add on is not required then remove it from your policy and save.
4. Legal Protection insurance
This insurance is there to cover you if you are involved in an accident that is not your fault. It lets you claim loss of earnings from the insured driver who is at fault. The insurance pays for the legal fees of the court case. All of these claims are assessed on the chance of winning the case. If the insurers do not think you will win, they will not instruct the lawyers to have a go and hope for the best.
5. Roadside Breakdown Assistance
Does your insurance policy include roadside assistance? If you are already a member of a breakdown service, then there is no need to be paying twice. Often when you buy a new car, this service is included for the first two years.
6. How do you pay for you car insurance
Paying your bills monthly is much easier on your cash flow, however some insurance companies charge you extra for this pleasure. Check with your insurer to see if they charge a premium for this service. Calculate how much the difference is, as you may still be saving money over the year with a slightly higher premium if you have the use of the money rather than the insurance company.
7. How much is your excess?
Your insurance policy excess is the amount of money you are willing to pay at the beginning of a car insurance claim. The higher your excess is, the lower your premium will be. Check your insurance policy as you may have different amounts of excess for different drivers or different types of damage.
8. Personal Belongings
Does the insurance policy cover any of your personal belongings in the vehicle or replacing the locks after the event that you loose your vehicle keys? This add on can be very important if you often transport expensive equipment like cameras in your car. You may have to list some high value belongings with the insurance company prior to them being covered, so check first.
9. Authorised repairers
Often insurers will allow you to get your vehicle fixed immediately by using one of their authorised repairers. This will speed up the process of getting your vehicle fixed. If you need to get 3 quotes from 3 separate repairers you will spend time organising paper work and running around. This will delay your car getting fixed and back on the road.
10. Do you have your home insurance with the same provider?
If you have your vehicle insurance and home insurance with the same insurer, they will often give you a larger discount on your premiums. This can also be an advantage as you only have to remember one comapnies details in the event of an accident.
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Nigel is a successful webmaster and publisher of a UK website highlighting car insurance best deals. This site allows you to check no claims car insurance costs and commercial insurance vehicle quotes.