Ten Tips To Get Cheaper Car Insurance
In the United Kingdom it is law that you have current car insurance if you want to drive on the public roads. So, why pay more for your car insurance if you don't have to. After all the money is better off in your pocket instead of theirs.
Here are 10 ways to help you get cheaper car insurance. If you can implement some or all of these, you will possibly save some money on your car insurance.
1. Shop around every year for a better deal
To get the best deal on your car insurance, you need to compare insurance providers, preferably once a year. With the use of the net it is a very easy task. Different companies have special offers at different times so you may be able to switch to a provider that has a current deal on when you are looking to switch. There is no cost for you to change insurers, and companies often provide new customers with extra bonuses.
2. What bolt on "Goodies" are included?
Several insurance policies are now very simple and you can add extra 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 policy. When is the car supplied? Does your car need to be written off or only damaged? Do you have to pay extra insurance on the courtesy car? If this add on is not needed 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 income 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 policy include roadside assistance? If you already are a member of a roadside service, then there is no need to be paying twice. Often when you buy a brand new car, this service is included for the first 2 years.
6. How do you pay for you car insurance
Paying your bills month by month is much easier on your cash flow, however some insurance companies charge you extra for this pleasure. Confirm 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 instead of the insurance company.
7. How much is your excess?
Your policy excess is the amount of money you are willing to pay at the beginning of a car insurance claim. The higher your excess, the lower your premium will be. Check your policy as you may have different amounts of excess for different types of damage or for different drivers.
8. Personal Belongings
Does the policy included any of your personal belongings in the vehicle or replacing the locks after the event that you loose your car keys? This bolt on can be very important if you often carry expensive equipment like computers in your car. You may have to itemise some high value belongings with the insurance company before they are covered, so check first.
9. Authorised repairers
Often insurance companies will let you get your car fixed straight away by using one of their authorised repairers. This will speed up the process in getting your car fixed. If you have to get three quotes from three 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 car insurance and home insurance with the same insurer, they will often give you a larger discount on your premiums. This is also an advantage as you only have to remember one comapnies details in the event of an accident.
Here are 10 ways to help you get cheaper car insurance. If you can implement some or all of these, you will possibly save some money on your car insurance.
1. Shop around every year for a better deal
To get the best deal on your car insurance, you need to compare insurance providers, preferably once a year. With the use of the net it is a very easy task. Different companies have special offers at different times so you may be able to switch to a provider that has a current deal on when you are looking to switch. There is no cost for you to change insurers, and companies often provide new customers with extra bonuses.
2. What bolt on "Goodies" are included?
Several insurance policies are now very simple and you can add extra 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 policy. When is the car supplied? Does your car need to be written off or only damaged? Do you have to pay extra insurance on the courtesy car? If this add on is not needed 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 income 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 policy include roadside assistance? If you already are a member of a roadside service, then there is no need to be paying twice. Often when you buy a brand new car, this service is included for the first 2 years.
6. How do you pay for you car insurance
Paying your bills month by month is much easier on your cash flow, however some insurance companies charge you extra for this pleasure. Confirm 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 instead of the insurance company.
7. How much is your excess?
Your policy excess is the amount of money you are willing to pay at the beginning of a car insurance claim. The higher your excess, the lower your premium will be. Check your policy as you may have different amounts of excess for different types of damage or for different drivers.
8. Personal Belongings
Does the policy included any of your personal belongings in the vehicle or replacing the locks after the event that you loose your car keys? This bolt on can be very important if you often carry expensive equipment like computers in your car. You may have to itemise some high value belongings with the insurance company before they are covered, so check first.
9. Authorised repairers
Often insurance companies will let you get your car fixed straight away by using one of their authorised repairers. This will speed up the process in getting your car fixed. If you have to get three quotes from three 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 car insurance and home insurance with the same insurer, they will often give you a larger discount on your premiums. This is also an advantage as you only have to remember one comapnies details in the event of an accident.
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