1. Buy on the Internet. Most companies offer a discount for online applications as it is an automated process and costs them much less to process your application, you can usually see discounts of 5% to 10%.Click here to get instant online insurance quote
2. Shop around. All insurance companies use different formulas to calculate your insurance premium by adding or subtracting money after each question they ask you. By shopping around, you could save big on your insurance premium.
3. Purchase additional products. Most insurance companies also offer other insurance products, i.e. "buildings and contents insurance". .
4. Pay your insurance premium all at once. By paying your insurance premium in full, you can avoid costly interest charges that would be added if you paid your insurance premium in installments. Some insurance companies may charge up to 15% APR on installments. You may even get a discount for paying in full. If you can't afford to pay in full, check the rate on a small loan, you can still save money. Complete an online loan application.
5. Increase your voluntary deductible. Your deductible is the amount you pay in the event of a claim, by increasing this amount your insurance company should lower your premium.
6. Reduce your annual mileage. Reducing your annual mileage can reduce your premium, most insurance companies will quote you around 12,000 miles per year. Be honest about this because your insurance company may ask to see old MOT and service history to verify your mileage in the event of an accident.
7. Install an alarm, kill switch or tracker. save you a hell of a lot of money.
8. Pass the advanced driving test. Passing your advanced driving test will show your insurance company that you have extra skills when driving and are less likely to be involved in an accident.
9. Don't inflate the value of your car. Adding extra value to your car when asking for your insurance quote won't do anything for you except increase your premium. If your car is stolen or written off, you won't you will only be paid the market value of your car at the time of your accident.
10. Watch your credit score. Insurance companies now look at your credit score as part of calculating your insurance premium. Maintaining a good credit score could avoid unnecessary additions to your premium.
11. Insure your car to third parties only. Third party only is the minimum cover you must have by law, it is also the cheapest. If your vehicle is of low value, you may want to consider this type of coverage. You must remember that with this type of coverage if you were to have an accident that any damage to your vehicle would not be covered for repair.
12. Keep a clean license Insurance companies take convictions at the wheel very seriously and can significantly increase your car insurance premium, by keeping a clean license it proves to insurance that you are a safe and careful driver. .
13. Remove all unnecessary drivers. If you have a young driver on your policy who is no longer using the vehicle, you should remove them as this will lower your premium.
14. Young drivers add an older driver. Some insurance companies will reduce premiums for young drivers if they have an older named driver on the insurance.
15. Increase your no-claims discount One of the most important factors affecting your car insurance premium is the number of years of no-claims discount. claim for free the safest driver your insurance company will consider you to be.
16. Protect your rebate for non-claim. Although it will increase your insurance premium if you have many years of no claims, you may want to protect it as a small claim can increase your premium by up to 75%.
17. Buy a lower insurance group car. A very important factor for your insurance premium is the car you drive. Most insurance companies adopt the Association Of British Insurance Group Rating. the bounty. By buying a car with a lower group rating, you can lower your premium, especially for young or inexperienced drivers.
18. Join a car club. If your vehicle is a classic or a specialist, approx.
