Tuesday 27 September 2011

12 Tips to Get Cheap Car Insurance

Many drivers do not use their car much. If you work locally or just use your car to go shopping then your chances of having an accident compared to a person who works on the road or drives a long way to work each day is much less. Insurance companies make money if you don't have accidents so if they believe you are a low risk they won't mind offering you lower rates so if you fall into this category ask for a low mileage restriction in your policy.

Tip 7 - Buy a Cheaper and Smaller Car

If you want to drive down your motoring costs then buy a cheap car which is not highly powered - it will be much cheaper to insure every year and the chances are it will cost a lot less in running costs such as petrol and gas. Try buying a car that is commonplace so servicing and replacement parts are cheap. Avoid cars with modifications and extras that make them stand-out to car thieves.

Tip 8 - Take Third-Party Only

If your car has a high replacement value then fully comprehensive car insurance is essential in case of accidents but otherwise consider the calculated gamble of third-party only insurance if your car has a low value.

Tip 9 - Drive Slowly and Safely

Insurance companies love low risk drivers with a clean driving license as they rarely need to make a claim and so the insurance companies keep all of their premiums. Insurance companies do not like young high risk drivers as they are much more likely to have accidents through inexperience or showing off.

Driving slowly and with due care will help you build up your no-points bonus which will mark you out as a lower risk driver and will result in lower premiums and cheaper car insurance. Any convictions you get on your driving license all increase your car insurance premiums.

Older drivers are preferred by car insurance companies because they are proven to have fewer accidents, so if you fall into this category go to the specialist insurance companies that only offer policies to older drivers.

Tip 10 - Get Your Policies Under One Roof

As well as car and motor insurance you are surely bound to have other insurance policies i.e. home and house insurance. Try your current insurer as they should be wanting more of your business as it costs less to keep a current customer happy than find a new one.

Tip 11 - Pay Annually

Don't be tempted to spread your payment because by paying your car insurance in one lump sum single payment you will save a lot of money. With monthly premiums an amount of interest is added to cover the extra administration so over the long-run it ends up costing you a lot more.

Tip 12 - Named Drivers

Sometimes putting another driver on your car insurance will reduce your premiums. This is mostly the case when the other driver is older and with a clean driving license. They may never even drive the car but by adding them it adds credibility to your application and the insurance company will assume for part of time they will be driving the vehicle.

This article has been exclusively written by the team at insurance spain who aim to meet the needs of people (particularly expats) who are looking for various types of car insurance in Spain.

Copyright Insurance-Spain.com. Feel free to use this article online and in your email newsletters as long as you leave it intact and do not alter it in anyway. The byline and biography must remain in the article.

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Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker don't just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And there's ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won't get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5. Look at your policy when it comes to renewal time, don't just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.

6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7. Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don't just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if you're in the market for cheap car insurance there's some ideas for you. Don't just accept that car insurance is always prohibitively expensive, get out there and do something about it.

For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Car Insurance as well as Cheap Car Insurance and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.

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