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How To Find Your Cheapest Car Insurance

Car insurance has been rising in cost and our search for the cheapest car insurance becomes more and more important. Within all of the quotes you compare, you are looking for the the cheapest. But it would be unwise to assume that the cheapest is the most cost effect, or even the best for your circumstances. You will need unpick the details to make sure it’s the right option for you. Therefore, being knowledgeable about what actually influences the costs is a big help, so read on to understand the main factors that can help you make your car insurance cheaper.

10 Steps To Cheaper Car Insurance:

• Paying Up Front: If you are able, then paying for your annual policy in full at the start is very likely to save you money on the annual premium.
• Clean Licence: Although an obvious money saver, it really does pay to have less driving misdemeanors.
• No Claims: The less or no previous claims on your insurance contributes to lower cost insurance.
• Named Drivers: If someone else is likely to be driving your vehicle, adding a named driver onto your policy can have a positive effect on the overall costs if they are an experienced driver with a clean licence.
• Parking & Overnight: Consider where you park your car for work or overnight. Any private parking you can secure will help reduce costs over parking on public roads.
• Extra Add On’s: Consider how much you really need some of the additional features offered with car insurance. If you don’t feel you will get the use out of the benefit, consider dropping it. For some add on’s such as breakdown cover, look into whether taking this our separately will be more cost effective.
• Enhance your driving skills: Some car insurance firms recognise driving courses achieved in their quotations and can offer reductions. Investigate courses and insurance firms and see if you can influence future premiums with your enhanced driving qualification.
• Blackbox Telematics: Most suited to new drivers, but also available to other drivers, a black box monitors your driving and rewards you with cheaper car insurance. During the course of the year, the good driving can be rewarded with other benefits such as additional miles on the policy.
• Car Make and Model: Car insurance firms categorise all cars into groups based on the make and model. Research your car before you buy to avoid unwittingly ending up with costly insurance based on the car’s spec.
• Diarise your renewal deadline: Quotes for insurance made at least 20 days in advance of the requirement for it to be valid from can help save on the cost. If you leave your search until the last minute you will likely find the same insurance product will have risen in price