More Ideas on How to Get a Cheaper Car Insurance Premium Online
You can offer to pay more excess.
By increasing the level of excess you wish to pay in the event of a claim, you will most definitely reduce the cost of your insurance.
This means that before your car insurance pays out, you pay the excess first.
This is all well and good if you never make a claim, but you need to ask yourself that in the event of an accident could you afford to pay out the high excess.
Decide on a healthy balance which offers you a lower premium, but which you could comfortably pay out.
Why not add additional drivers.
Making additions of maybe older and more experienced drivers can be of benefit, for example a parent with good driving habits.
Couples who live together or are married are also of benefit to each other as named other drivers on policies, so make sure that your car insurance company knows your status.
Pay as you go! Few and far between it may be but some car insurance companies offer pay as you go options and keep tabs on your driving habits via a GPS fitted to your car.
This kind of policy is more aimed towards younger drivers, to try and lower frequent accidents that happen in the evening, and can be useful if you don't drive between the hours of 11pm and 6am.
Try and reduce the amount of driving you do! Costs of car insurance premiums can also be reduced dependent upon your annual mileage.
If you don't use your car to drive to and from your place of work, then stipulate that you drive only for social and domestic use when asked, your premium will be adjusted accordingly.
The fewer miles you estimate to do in a year the lower your car insurance premium will generally be.
You can also downgrade on policy extras.
Additional cover for events such as needing courtesy cars, being able to drive other peoples cars and overseas or cover abroad are useful, but not always essential, if you have use of a secondary car at home, a courtesy car may just be an extra money option you can do without.
Also consider that some car insurance extras are covered on home insurance, and maybe any private medical insurance you may have, for example, handbag contents cover, or physiotherapy cover.
By increasing the level of excess you wish to pay in the event of a claim, you will most definitely reduce the cost of your insurance.
This means that before your car insurance pays out, you pay the excess first.
This is all well and good if you never make a claim, but you need to ask yourself that in the event of an accident could you afford to pay out the high excess.
Decide on a healthy balance which offers you a lower premium, but which you could comfortably pay out.
Why not add additional drivers.
Making additions of maybe older and more experienced drivers can be of benefit, for example a parent with good driving habits.
Couples who live together or are married are also of benefit to each other as named other drivers on policies, so make sure that your car insurance company knows your status.
Pay as you go! Few and far between it may be but some car insurance companies offer pay as you go options and keep tabs on your driving habits via a GPS fitted to your car.
This kind of policy is more aimed towards younger drivers, to try and lower frequent accidents that happen in the evening, and can be useful if you don't drive between the hours of 11pm and 6am.
Try and reduce the amount of driving you do! Costs of car insurance premiums can also be reduced dependent upon your annual mileage.
If you don't use your car to drive to and from your place of work, then stipulate that you drive only for social and domestic use when asked, your premium will be adjusted accordingly.
The fewer miles you estimate to do in a year the lower your car insurance premium will generally be.
You can also downgrade on policy extras.
Additional cover for events such as needing courtesy cars, being able to drive other peoples cars and overseas or cover abroad are useful, but not always essential, if you have use of a secondary car at home, a courtesy car may just be an extra money option you can do without.
Also consider that some car insurance extras are covered on home insurance, and maybe any private medical insurance you may have, for example, handbag contents cover, or physiotherapy cover.