Boston Personal Injury Attorney

In recent years, the average car insurance premium has been virtually a stand still. The reason is price competition. Currently there are over 100 car insurance companies fighting for your business and competition is fierce. There are always bargains to be found as companies cut their premiums to attract motorists in the hope you will remain loyal and stick with them in subsequent years. In fact, every year, 23% of renewing our engine insurance with our existing insurance company .

However, in recent years, the Internet has created a revolution in marketing car insurance . shopping around so easy without the need to make a lot of phone calls and without spending time threading yourself through the automated phone systems beloved by many call centers is made.

But it would be wise to remember that the lowest premium is not always the best. For example, some insurance companies have recently boosted the level of excess you want to pay claims as this helps to provide you with a much lower budget. You should also check if a courtesy car is provided if your car is being repaired. You may also feel you want legal insurance cover and automatic windscreen replacement. An accident helpline can also very useful in the middle of an emergency! You will need to call the agent or insurance company that is thinking about trying in order to review these points .

17 best tips

for cheaper car insurance

Get your quotes online through cars insurance runners. Computer systems find the best quotes from 40 or more auto insurance companies and will save you time. When you have the cheapest quote, phone them to discuss the relative merits of the cheapest quotes they found.

garage your car at night. Insurance companies know that a car left on the road at night is much more vulnerable to theft and damage. If you do not have a garage, if possible keep your unit.

update the estimate of your mileage each year. If you have moved home or changed jobs you may have shorter commuting distances. If so, the premiums should be lower.

Your premium may be influenced by their work. The owners, journalists and soccer, to name just a few, all pay more! Go to a job that is a little more boring! Accountants and civil servants pay less!

Getting married could save money on your car insurance , especially if it is male and under 30

If you are under 25 years, adding an old experienced driver with a good riving record on your policy as a named driver. But do not let him be too old! – Premiums start rising again after 60 years

consider paying a higher accident excess. The average excess is around £ 100. If you are willing to increase the excess claims, your premium will fall significantly.

If you have a cheap or old car, consider buying cover only 3rd parties. Get quotes and complete Part 3 insurance and weigh the savings.

Are you between 18 and 21? Then consider pay as you go insurance . Norwich Union has recently introduced the first pay as insurance policy, that charges you exactly for miles you drive. It also charges more for the miles you drive between 11 and 6 at night. The system operates through a global positioning system that fits your car for a fee of £ 199. The GPS black box tells Norwich Union how many miles the car has been driven and to send you a monthly bill.

A new driver? Fix your driving technique by taking some more driving lessons. New drivers can reduce their insurance costs by up to 35% by taking Pass Plus lessons. These give you extra training for driving in rush hour traffic, motorway driving and night driving. Lessons cost between £ 15 and £ 30 per hour. (Www.passplus.org.uk). You can also reduce your premium if you have taken a course with the Institute of Advanced Motorists (www.iam.org.uk).

Buying a new car? Then check out the insurance group before buying. Cars fall into one of 20 insurance groups with 1 being the cheapest and 20 the most expensive. If the proposal insurance premium is too high, chose a car that is in a lower group

high specification and cars performance attract thieves and are more expensive to repair -. so always they cost more to insure. Consider something with a little less voroom!

It is difficult to know, but do not try to accelerate! Most insurance companies will ignore a fine fixed but get more and your premium will increase.

had 4 or more years no claims discount? Pay a little more to get the discount protected.

Riding a satellite navigation system. Some insurance companies have realized that satellite navigation reduce the accident rate by allowing drivers concentrate on the road. Insurers soon give discounts if you have it installed.

Get an engine immobilizer or alarm installed. You can save between 5-8%.

You have more than one car at home? Some insurance companies will give a discount to ensure all in one policy.