Most UK car owners are overspending by &350 a year when it comes to their car insurance. There are some practical and easy steps that you can take, to not only lower the cost of your car insurance, but also make your car more secure.
Get a telematics black box
If you’re a newly qualified driver you’ve probably already found that insurance can be pricey. Some insurance companies will offer you a black box, which monitors your driving habits. Good driving is rewarded with lower premiums - but only if you don’t drive at night and don’t clock up too many miles.
Take an advanced driving course
Following your successful driving test, it is possible to take advanced driving courses, such as Pass Plus or RoadSmart. The completion of one of these courses could earn you a third off your policy.
Drive carefully
Points on your license equal higher premiums. Try to keep your license as clean as possible and should you be caught speeding, ensure you take the speed awareness course to avoid any points.
Keep your car secure
If your home has a driveway or garage, inform your insurer! Secure storage for your vehicle can help keep your premiums at a lower rate. If your car doesn’t have an immobiliser or alarm, it might be worth considering getting one installed.
Set your excess accordingly
When setting up a policy, you can sometimes choose the amount of excess you’d like to pay, should you need to make a claim. If you can afford to pay a large excess, you’ll bring the price of your policy down.
Choose a lower insurance group
The type of car you choose will fall into a different insurance group. The amount you pay for insurance will depend on the amount of safety features the vehicle carries (i.e. parking sensors, automatic breaking).
Use a broker
Struggling to find a policy for a price you can afford, or can’t find a policy with adequate cover? We can assist you in finding the perfect policy to suit your needs and budget.