Car insurance can be a massive part of the cost of running a car, with a lot of factors going into working out the cost. If you’re struggling to find an affordable insurance quote, there are a few tricks that you can try to bring that cost down.
- Look into your insurance that is designed for you. In some cases you can get a better deal with a company who have policies made to suit certain kinds of drivers, such as younger drivers or female drivers. This can even be true if you have a bad driving record; you may find a fairer deal with specific convicted driver insurance.
- Shop around. Always compare prices before accepting an insurance offer. You can use price comparison sites online to do this, but remember to check directly with insurers who don’t use these sites. You can often find a much cheaper deal by doing this.
- Consider the model of your car. Some cars, such as smaller cars, or those less likely to be popular with new, young driver can be cheaper to insure. If you’re in the market for a new car, check what it would cost you to insure it before you commit to it.
- Keep your car safe. If you can, always park the car in a locked garage. Cars kept in garages are cheaper to insure as they are less likely to be stolen or damaged. If you don’t have a garage, then a set parking space or driveway can also be better. Consider investing in some anti-theft devices too, as these can also help to bring down your costs by reducing the likelihood of theft.
- Think about who owns and who owns the car. Insurance costs can be higher if the owner and the driver are different, for example if your drive a company car, or own a car that is driven by your husband or your children. Make sure you’re honest about this though when applying for policies.
- Make sure you cover all the reasons you use your car. Your insurer will want to know what your car is used for, and if you miss something out, they might not pay out. You can cover your car for commuting, business use (such as driving to meetings), social, domestic and pleasure (driving to the supermarket, or to the cinema), or commercial travelling (sales jobs).
Cheaper car insurance can be found with some shopping around and some sensible choices about the car you drive, who drives it and where you keep the car when it isn’t being driven. Never be tempted to lie to an insurer for a cheaper quote; they won’t pay out if you need them if you haven’t paid for the right kind of insurance. Instead, do your homework to find the kind of coverage that will best suit you, for the best price. This way, you won’t be caught out if you have an accident or damage to your car and need to make a claim.