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5 Hints to make sure you pay less for your car insurance

There are steps you can take to cut the cost of car insurance and here are 5 tips you can use to ensure that you get the best deal possible, especially if you are a young driver.

Switch Insurer

As mentioned in previous articles on cheapinsurancelocator.co.uk too many people automatically renew their insurance with their current provider when they reach the end of their cover. Do not assume that the best deal you got a year ago is still the best deal that you can get now. The insurance market is constantly evolving, with new providers entering the market, so remember to shop around!

Secure your car

Make sure that you car is as secure as you can possible make it. One of the main ways to cut the price of your insurance is if you can find a way of gaining access to off street parking. This in the eyes of insurance providers is a big benefit as your vehicle is less likely to be on show to the public and susceptible to theft and vandalism. If you have an old car with old, or without central locking investing in a steering wheel lock will also help to bring down premiums.

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Increase your excess

This option can decrease the cost of your insurance, but is a bit of a gamble. If your excess is higher then the cost of your cover should be less, however if you ever came about to making a claim then the minimum excess payment you would have to pay would be more. Finding a good middle ground between your minimum excess payment and cost of the cover is an important factor when choosing the right insurance for you.

Cut your mileage

Quite simply the more miles that you drive a year the more your insurance cover will cost, as you will be spending more time on the roads. For young divers in particular this can make a significant difference. By cutting out a few long drives a year you could decrease your mileage by more than 1000 miles and this will help you save money. Take the train as an alternative and I bet you the cost of a few train journeys (booked in advance) will work out to be less than the premium you would pay for the extra mileage on your insurance.

Buy a popular car

British made cars, such as Ford Mondeos, Vauxhalls and Astras are cheaper to repair and therefore insurance premiums are generally lower. For example, insurance for a 1.8 litre Ford will cost around £100 less on average than for a 1.8 litre BMW 3 series. So buy British to support our economy and lower the impact car insurance has on your own bank account!

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