cheap car insurance quotes online
Saving Money On Your Motor Insurance
There are many ways in which you can reduce the cost of your car insurance premiums, depending on your age and circumstances and the type of motoring your do..Paying online by direct debit or credit card will give you the biggest discount and the best way of securing cheap car insurance - Most Insurance companies will give you at least 10% off high street prices.
Insure through your motoring organisation: The AA and the RAC offer great discounts. If your a member of one of these organisations you should at least get a quote..
Younger Drivers: consider taking extra qualifications to cut your insurance premiums.. passplus qualification can qualify younger drivers for 20-30% discounts..
Offer to pay bigger voluntary excess: You'll have to pay up front if you have an accident.. but paying more excees could save you between £25 & £100 depending on the increase in excess..
Invest in better security: Insurance companies love approved alarm systems - not only will it help protect your vehicle, but will also bring your insurance premiums down.
Be honest about your milage: If you just use your car occasionally, then it's almost certain that you would qualify for low usage discounts on your premium.. consumers generally say they do approximately 10-15,000 miles.. when in fact only do about 5-8,000.. low usage can get you the biggest reductions.. sometimes saving you hundreds..
Limit your named drivers: If just you and your partner are insured, premiums will be low.. however add a teenager to the list & the insurance will soar..
Avoid making minor claims: if you claim for small minor incidents.. then you'll push your premiums up for the following year..
How is your insurance premium worked out?
Insurance Groups: The Insurance group of your vehicle reflects the size, specification, cost of repairs, performance & image etc... each time you go up a group, your insurance premium could increase from £40-£100..
Where you Live: The postcode where the car is kept will have an effect on the insurance premium, inner cities tend to be more expensive. Cars kept in garages with approved car alarm systems will benefit the most..
Age and occupation of drivers: A driver in their 20's will pay much higher insurance premiums than someone in their fifties.. and a publican will pay more than an accountant..
Driving Record: The past record of the insured driver will have an effect on the premium you pay... driving convictions & previous claims add risk factors to the insurer.. there are however specialist brokers that can deal with this area..