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NOV 2014How to Get Very Cheap Car Insurance
Posted by : Pak Yahya
It is possible to get from your insurer. However, it is good to note that there are several factors that affect the amount of premium you pay for your auto insurance. Some of these factors include age, driving record, previous claims, security, excess, cover level, postcode, mileage and parking. With these in mind, the following guide will help you get very cheap car insurance with lower premiums, irrespective of your age or gender.
Shop for the Best Auto Insurance Deals
Before renewing your contract, shopping around for very cheap car insurance, the best deals can save you hundreds of dollars. You should be careful to compare covers that are alike from different insurers. Although some auto policies can appear cheaper, their level of cover might be totally different; you can realize this when you make a claim. There are several online comparison services that you can use to make the comparisons when looking for very cheap car insurance. All you have to do is enter your details and look out for the prices that come up. In order to get new quotes, you can change the mileage you will drive and the excess you can afford to pay. It is also important to look out for insurers that are not featured in comparison sites.
Don’t Cover Everyone with Your Auto Policy
In order to get very cheap car insurance, you should only get regular drivers covered. It is also possible to get a driver covered at the moment they need to drive the car more often.
Protect Your No-claim Bonus
The best way to get very cheap car insurance is through the long no-claims bonus, hence the essence of protecting it. Although your premium may increase by a few dollars as a result, its importance against the 90% discount potential loss on your premium that is worth hundreds of dollars fades. However, different insurers define the protected no-claims bonus differently. Although accidents caused by the insured can affect the no-claim bonus, those by other drivers don’t. What you should do is go through the policy carefully.
Increase Your Excess Value
The higher the amount of your excess, used to cater for accidental repairs, the lower your premium. Excess can be recovered if you, the insured, is not at fault in an auto crash. With a car of lower value, there is no need to raise the excess too high.
Secure Your Car
A secure car fitted with an immobilizer, a certified alarm and tracking device can earn you up to a 5% discount. Check if your new car comes with these security features and declare them in order to get very cheap car insurance and to know .
Decrease Your Mileage
You get to save more dollars if you drive fewer miles. Avoid jeopardizing your claim by being honest about your annual mileage. You can also avoid driving your car to business or work in order to get lower premiums. Make sure that you check your cover despite this fact.
Hire Experienced Old Drivers
Young drivers are not just inexperienced, but may not have no-claims bonuses. Decrease your premium by either hiring an experienced driver to be covered or ensure that you are the main driver as the insured, even if your kids use your car at times.
