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| Save Money on Your Car Insurance | 1. Purchase online
Purchasing online can save you time and money. Companies spending much money on advertising have to cover these costs anywhere. Usually they include these expenses onto the price of your insurance premium. Online insurers can offer you car insurance at up to 60% cheaper than other companies.
2. Drive a cheap and less powerful car
Car insurance companies estimate their premiums on the basis of the car engine size, the probability that it will get stolen and the cost of repairing it. Though smaller cars are more prone to being stolen than larger saloon cars, they are cheaper to repair or replace and are consequently cheaper to insure.
3. Build up a no claims history
Car insurance companies offer discounts for secure drivers with a fine no claims record. With building up your no claims history you can advantage from a decrease (up to 60%) off your premium, and this discount can be transferred from one company to another.
4. Increase your car safety
More safety means lower danger for your insurance company and you can advantage from cheaper rates by locking your car in a garage a night, or installing an insurance company approved immobiliser or tracker.
5. Increase your voluntary excess
Paying a higher excess also means youare less probable to make a small claim on your insurance and are consequently considered a lower risk.
6. Get more driving qualifications
By becoming a more skilled and experienced driver most insurance companies reward their customers by reducing their premium. Thus, the qualification typically pays for itself within the first year of qualifying.
7. Use your car less
Obviously, the more you use your car the higher is the chance that you will be involved in an accident. Consequently people who drive hundreds of miles every week are likely to have a higher car insurance premium.
8. Do not get on the wrong side of the law
Insurance companies do not like motoring convictions as they mean a driver is supposed to be a higher risk. Positive motoring confidences are measured worse than others, for instance drink driving offences mean that your premium will be double the usual rate.
9. Decrease the number of people under your policy
The more people on your insurance the more you will have to pay. If possible try to have as few drivers on your policy.
10. Live in the countryside
Generally the further you live away from a city the cheaper your car insurance is probable to be as living in the city your car has more chances to be stolen or be involved in car accident.
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