|  Getting
the best deal on your car insurance
does not mean that you have to forgo
the security of being covered by a well-known
insurer. There are many ways of tailoring
the policy and considerations you need
to make to provide the cover you need
at a lower cost.
1 Excess
All policies have an ‘excess’
– that is the amount you will
have to fork out if you make a claim
on your car insurance. It can range
from £50 upwards. However, choose
to pay an additional excess on top of
the compulsory excess and you’ll
pay a lower premium.
2
Residence
If your car is garaged overnight or
on your driveway, you’ll pay a
lower premium than if it was left in
the street.And
those who live in the country will pay
less than someone living in an inner-city.
3
Grouping
While you may be able to pick up a second
hand Porsche at a bargain price, you’ll
more than make up it for the cost of
insurance. Check out the group - the
lower the group number, the lower the
premium.
4 Drivers
Limit the number of drivers on your
vehicle and you’ll get a better
deal on your insurance.
5
Age, Sex and Occupation
These can all have an effect on your
premiums, as can part-time jobs.
6
Modifications and Security
A modified car will attract higher premiums.
Check
the security levels on your car: immobilisers,
a steering lock, and a detachable stereo
could help reduce your premiums.
7
Shop Around
Don’t automatically accept your
current insurers’ quote at renewal
time – shop around. Use our directory
of car insurance providers to find the
best deal for you.
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