Top tips on how to save pounds on your car insurance

By: Pete Crawford
Submitted: 2008-08-13 20:19:43
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There are a number of ways you can cut down the expense of being a car owner, many of which are simple things that could have a significant effect over the course of your premiums.

First of all – why pay more than you have to for your car insurance? There are a number of potential discounts available to you which could save a considerable amount of money. Buying your car insurance online could save you as much as 25% off the premiums.

Also, do not get sucked in by unnecessary optional extras that you do not think you need – make sure you know what you're paying for and that there are no boxes ticked which shouldn't be.

Be sure to give your car insurance provider accurate details about the way you use your car so that you don't end up paying for cover that doesn't reflect your personal circumstances. For example, if you do not use your car to commute to work, and do not drive many miles each year, then giving this information to your insurance company could shave pounds off your car insurance quote.

The same goes for your car's features, such as airbags, anti-lock brakes, and anti-theft devices such an immobiliser of alarm, which could all help to save you money on your car insurance. If you don't already have these things, then you could consider getting some of them installed if you would save enough to make it worth your while.

You could also save money by telling your insurer if your car is stored in a garage or driveway instead of on the roadside – in a driveway it is safer from damage by other cars, and in a garage it has additional protection from thieves and your insurer will often reward you for this.

Some insurance companies offer a discount for drivers who have taken additional testing, such as Pass Plus test. If you do not have a no claims bonus, then this might help to bring your premiums down a bit while you build one up. There are also some car insurance providers that offer accelerated no claims discount deals, where you can build one up faster than usual.

Most important of all when trying to save money on your car insurance is to compare quotes – just because you have been with your car insurance provider since you started driving, doesn't mean that they represent the cheapest cover on the market – shop around and find a policy which offers both the cover you need and good value for money.

Pete Crawford is an insurance and mortgage specialist writing for several financial services companies - click on car insurance for more tips on how to get the best car insurance deal.

Article source: Expert Articles

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