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Fact: To drive legally within the UK, you’re needed to have car insurance to protect yourself and other drivers. It is one of the unavoidable expenditures of owning and driving a vehicle on the road.

Whilst car insurance is a fact of existence, high premiums are not. There are lots of methods to control the price of your motor insurance premiums and even reverse current raises in some instances. Here are just a few tips that can conserve you nicely over 10% on your car insurance this yr.

1. Search online for the best quotes.

Frequently, automobile dealers work with a particular insurer “for your convenience”. Before snatching the very first motor insurance coverage policy you find, do some study and shop around. Use a price comparison site to compare multiple policies side by side. Car insurance quotes can differ by hundreds of pounds for the exact same cover.

2. Purchase on-line at the insurer’s website.

Many, if not most, insurance coverage companies offer hefty discounts when you purchase your cover online. Why? They save money promptly and agent commissions that way. It’s standard to provide a 10% discount whenever you buy your car insurance on-line. While not everyone can buy on-line, there could be substantial savings in the event you can and do.

3. Review when you renew.

Don’t simply renew you policy when the time rolls around. Go over it to make sure that it still meets your needs and circumstances - after which request a brand new quote. Insurers will nearly always provide a reduce quote when you are shopping around for policy than when they think they have you hooked.

4. Secure your vehicle.

Since your premium is based around the risk of damage or loss of one’s car, every step you consider to make your car more secure and safe will decrease your premium. Park it off street or in a garage, add a steering lock or an alarm and see your premiums go down.

5. Drive less.

The less you drive, the much less your chance of being involved in an accident. In case your mileage is lower than the norm, inform your insurer and find out if they provide a low mileage discount.

6. Be truthful on your application.

While this technically will not lower your insurance premium, it could make a massive difference whenever you make a claim. It may be tempting to claim your auntie’s suburban address as your garaging site and knock several pounds off your premium - but when you need to make a claim, the insurance company could find out. If they prove you misrepresented the facts on your application, your claim will be declined and may end up liable for any damages from the accident to boot.

7. Pay in full at the start of the policy.

Check with your insurer to find out if you are charged much more for paying in installments. In essence, whenever you pay in installments, you are taking a loan through the insurance company for your premium, and having to pay them back - with interest.

8. Pay by direct debit.

In the event you do decide to pay in installments, find out if your insurer savings your premium whenever you pay by immediate debit. Since direct debit significantly decreases the likelihood of late and missed payments, most insurers are happy to knock a few quid off the premium when you pay that way.

9. Add an extra driver to your policy.

In a few cases, including an extra driver for your policy will lower your premium, especially if that driver is older, female and has a good driving record.

10. Take a defensive driving course.

Many insurance companies will discount your premium in the event you complete a course in safe or defensive driving. In general, anything that reduces your accident or loss risk may reduce your car insurance premiums.  

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Go here: Endsleigh Insurance

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