| The car insurance industry has got really
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| | premiums rise again at that age.
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| competitive in the last few years, so
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| | Agreeing to higher excess (the average
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| prices haven't really changed much. There
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| | cost is ?100) will help lower your
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| are now over 100 car insurers to choose
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| | premiums.
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| from, so there are some very good deals
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| | If your car is not of a high value, you
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| out there for those who are prepared to
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| | could get third party cover and make
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| shop around. 23% of motorists still
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| | quite a saving compared to fully
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| choose to insure with the same company as
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| | comprehensive insurance.
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| the year before, but they could
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| | Pay as you go insurance is a new option
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| undoubtedly save money if they did check
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| | for 18-21 year olds. It's a recent
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| out some other companies.
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| | development introduced by Norwich Union,
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| Motorists could be forgiven for not
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| | in which you pay a unit cost per mile.
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| getting other quotes, it used to be a
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| | The cost per mile is more between 11pm
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| very laborious exercise involving long
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| | and 6am. You pay an initial fee of ?199
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| waits while getting routed through the
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| | to have a Global Positioning System
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| call centre, and boring repetition of
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| | fitted to your car, and then it transmits
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| facts to sales advisors. Now, thanks to
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| | details of your mileage direct to Norwich
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| the internet, it's all a lot more simple.
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| | Union. They send you a monthly invoice
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| Car insurers also offer extra discounts
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| | and you pay for the miles you've done!
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| to people who buy online.
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| | Taking Pass Plus lessons to improve your
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| However, you need to consider the quality
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| | driving abilities could save you around a
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| of the policy, not just the price:
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| | third on your premiums. They cost ?15 -
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| ? Check that your low quotation is not
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| | ?30 an hour and cover driving at night,
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| due to an extremely high excess.
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| | in busy rush hour jams and fast motorway
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| ? Check that you will get a courtesy car
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| | driving. You can find out more at . You
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| if your car needs to be taken in for
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| | can also improve your driving skills and
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| repairs.
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| | make insurance savings with the Institute
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| ? Check that legal insurance cover is
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| | of Advanced Motorists ( ).
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| included, if you want it, and automatic
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| | Find out the insurance group of a car
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| windscreen replacement.
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| | before you make the purchase. There are
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| ? Find out if there is an accident help
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| | twenty insurance groups ? the slower and
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| line in case of an emergency.
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| | less desirable the car (to criminals)
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| It's a good idea to ring the insurer
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| | then the lower the rating. You could make
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| direct to talk through the policy in
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| | considerable savings by choosing a car in
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| detail before signing up online.
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| | a lower insurance group.
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| Money saving tips ? recommended!
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| | If you want a high spec or performance
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| You can get a quote with over 40 car
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| | car then you can expect to pay a lot more
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| insurers if you input your details into a
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| | on your insurance. They're a lot more
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| good car insurance broker's website.
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| | likely to be stolen or involved in an
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| You'll only need to give your details
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| | accident. Making the sensible choice
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| once. Call the insurer with the quotation
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| | might be a bit boring, but it will be a
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| to check exactly what is and isn't
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| | lot cheaper.
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| covered.
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| | Watch your speed. Most insurance
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| If you have a garage, then you'll save by
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| | companies will let you get away with a
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| keeping your car there overnight. You'll
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| | single fixed penalty fine but if you
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| also make savings if you can keep your
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| | repeat the offence then your premiums
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| car on a driveway. This is because there
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| | will rocket.
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| is more chance your car being broken into
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| | Protect your no claims discount as soon
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| or vandalised if it's kept on the road.
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| | as you can (usually after four years). It
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| Give your insurer an accurate picture of
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| | costs a bit extra but it's well worth it.
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| how many miles you do each year ? you
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| | Satellite navigation in your car will
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| will save if you travel less.
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| | lower your premiums. Insurers have found
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| Some occupations, like being a landlord,
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| | that people concentrate more on their
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| journalist or professional footballer (if
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| | driving and less on trying to find their
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| only) attract higher premiums. You can
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| | way, which means less chance of having an
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| save money if you work in finance or the
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| | accident.
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| civil service.
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| | It's a good idea to have an engine
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| Get married! Men under 30 pay more if
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| | immobiliser or alarm fitted not just
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| they're not married ? it's just the
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| | because it could help you keep hold of
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| excuse your girlfriend is looking for!
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| | your car, it will also make you a saving
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| Under 25's pay more, but you can get
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| | of 5-8%.
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| lower premiums if can put a driver over
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| | If there's two or more cars in the
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| the age of 25 with a good driving record
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| | household, get them on the same policy to
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| on your policy as a named driver. That
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| | get a good discount.
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| person must be under 60 though, as
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|
