The cheap auto insurance
With daily car trips a necessity for many families, it is likely there are few of us who could seriously consider life without our own engine. But when your car insurance renewal quote arrives on your doormat, you could be forgiven for thinking again ... Maybe even for hunting on your local bus timetable.
Auto insurance can be a significant cost to motorists already face high fuel prices, and to pay for WORDs scheduled and of course covering the cost of vehicle they drive every day.
If you are looking to find a cheaper car insurance, try these tips to reduce your car insurance costs.
1. Compare car insurance online
Shopping around for car insurance is often a simple but effective way to reduce the price you pay for coverage. Insurance companies often offer their best deals for existing customers, instead of reserving their lowest possible prices for new customers. Use our auto insurance comparison tool to see how much you could save by switching insurers. Just remember to make sure you compare like for like cover with voluntary excess established at the same level and including extras you usually want to add.
2. Increase your deductible
Opting for a higher voluntary excess when creating your auto insurance coverage is another way to reduce your premium. Generally, the higher your excess, the lower your premium - so try using our car insurance comparison tool to see how much difference a greater excesses could bring to your annual auto insurance costs. Remember, though, that you must be able to pay your voluntary excess. If you need to make an insurance claim, you will be required to strain it before your insurer will pay.
3. Go unadorned
Think carefully before adding extras, such as legal fees, windscreen cover or the use of a private vehicle to your auto insurance package. While insurance companies are often enthusiastic about their value and could come in handy, they are not strictly necessary - including too many add-ons could significantly bump the price of your policy.
4. Think about the distance you drive
Before buying auto insurance, think carefully about how you really are driving in your car each year. If it is possible for you to agree to a lower annual mileage cap you made the last time you bought the insurance, it is possible that you will save money. This is a particularly useful trick for two car families, where only one vehicle can do more miles in a year than the other - but where this is sometimes not obvious until the odometers of two cars checked.
5. Do not pay by direct debit
Although the distribution of the cost of your car insurance might feel less painful than paying for your premium in one go, it will probably cost you more in the long run. Many insurance companies charge interest when customers choose to pay for their monthly insurance, so check before you sign on the dotted line. If your insurance policy is to charge interest, but want to spread the cost of your coverage for free, you can consider using a credit card to buy from 0% to pay for it - just be sure to erase your entire balance before the 0% period ends.
Auto insurance can be a significant cost to motorists already face high fuel prices, and to pay for WORDs scheduled and of course covering the cost of vehicle they drive every day.
If you are looking to find a cheaper car insurance, try these tips to reduce your car insurance costs.
1. Compare car insurance online
Shopping around for car insurance is often a simple but effective way to reduce the price you pay for coverage. Insurance companies often offer their best deals for existing customers, instead of reserving their lowest possible prices for new customers. Use our auto insurance comparison tool to see how much you could save by switching insurers. Just remember to make sure you compare like for like cover with voluntary excess established at the same level and including extras you usually want to add.
2. Increase your deductible
Opting for a higher voluntary excess when creating your auto insurance coverage is another way to reduce your premium. Generally, the higher your excess, the lower your premium - so try using our car insurance comparison tool to see how much difference a greater excesses could bring to your annual auto insurance costs. Remember, though, that you must be able to pay your voluntary excess. If you need to make an insurance claim, you will be required to strain it before your insurer will pay.
3. Go unadorned
Think carefully before adding extras, such as legal fees, windscreen cover or the use of a private vehicle to your auto insurance package. While insurance companies are often enthusiastic about their value and could come in handy, they are not strictly necessary - including too many add-ons could significantly bump the price of your policy.
4. Think about the distance you drive
Before buying auto insurance, think carefully about how you really are driving in your car each year. If it is possible for you to agree to a lower annual mileage cap you made the last time you bought the insurance, it is possible that you will save money. This is a particularly useful trick for two car families, where only one vehicle can do more miles in a year than the other - but where this is sometimes not obvious until the odometers of two cars checked.
5. Do not pay by direct debit
Although the distribution of the cost of your car insurance might feel less painful than paying for your premium in one go, it will probably cost you more in the long run. Many insurance companies charge interest when customers choose to pay for their monthly insurance, so check before you sign on the dotted line. If your insurance policy is to charge interest, but want to spread the cost of your coverage for free, you can consider using a credit card to buy from 0% to pay for it - just be sure to erase your entire balance before the 0% period ends.
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