If you drive a car then you need car insurance, but with so many different insurers out there it can be difficult to know where to start.
Legally, anyone who owns a car must have it insured to a basic level, otherwise they will be breaking the law, but there are different levels of car insurance available that are more comprehensive but will also cost more.
Getting several car insurance quotes is one of the easiest and most convenient ways to make sure you pick the right car insurance quote for you. The best way to do this is to shop around and get lots of quotes from different people, whether that’s directly through their site or through a price comparison website.
When you’re looking for car insurance quotes online make sure you know what type of cover you need and if you’re not sure then research the different types of insurance available. If you’re not planning to let other’s drive your car or are prepared to pay a bigger excess then you could get a cheaper deal, but if you want to make sure you’re covered for all eventualities it could be better to choose a more comprehensive deal.
Tips for Reducing your Car Insurance
Car insurance can be expensive and certain groups, such as young drivers or those with fast and powerful cars can expect to pay more.
One of the most effective ways to get cheaper insurance is by purchasing a less expensive car with a smaller engine which will be placed at a lower insurance bracket.
If you are a younger driver you could try getting insured on a parent’s vehicle, although in some cases it can be just as cheap to get your own insurance.
Keeping your car secure is a great way to reduce your premiums so if make sure you have a good immobiliser and alarm system. Try to park your car in a garage or off the road if you can as this will also make it statistically less likely to be stolen or damaged if it’s out on the road.
Your insurance will be partly based on the number of miles you drive so if you can reduce this it could help you shave pounds off your car insurance. Try using public transport to get to work or start a car share scheme so you don’t have to drive as often.
The number one way to reduce your premiums over time is by building up your no claims bonus. The only way to do this is by not making a claim so always drive as safely as possible to keep your car out of harm’s way. If you have a small repair to make then pay for it yourself rather than making a claim.
If you can afford to do so then increase your excess. This is the amount of money you will be required to pay towards repairs if you claim on your insurance. Bear in mind that if you do need to make a claim you’ll have to have the cash to pay for repairs so don’t increase your excess unless you can cover the costs.