Many motorists in the UK pay over the odds for their car insurance, particularly if they fall within a particular age range. With the recent hike in energy bills accounting for an increase in outgoings for thousands of people across the country, it’s important to save wherever you can. If you’re a driver, paying for road tax, car maintenance and petrol can be costly enough, without the added worry of a high car insurance premium. If you’re looking to get a better deal on your car insurance, follow these simple steps for success.
Securing Your Vehicle
If you don’t make sure that your vehicle is as safe as possible when it’s not in use, then you will present more of a risk to an insurance company. Insurers are often willing to reduce premiums for those who take measures to protect the security of their vehicles. If you have a garage, make sure you use it at night, and keep it properly secured with a padlock. Car insurance is cheaper for those who own garages and off-road parking spaces. You could also consider fitting a high-performance car alarm, immobilizer or tracking device within your car. All these measures are looked upon favourably by insurers.
The Importance of Research
There are so many online comparison tools available to help you find the best deal with your car insurance, that it would be foolish not to use them. Ask for quotes from a variety of different insurers and compare them to find out which offers the best value for money. It’s also important to be aware that insurers are often open to discussion, so don’t be afraid to haggle the price down. Tell them that you’ve found a better deal elsewhere, and ask why you should give your custom to their firm. They are likely to be responsive to informed customer queries like this. Another bright idea is to read the terms and conditions of the offered policy very carefully. Consumers who neglect to do this often end up paying for extras that they don’t need, when they could save substantially on a simpler policy.
Second Hand Vehicles
If you’re thinking about updating your vehicle or purchasing that much-coveted sports car, it’s smart to go second hand. Pre-owned vehicles have much lower insurance premiums attached to them, which is great news for those who favour high performance cars.