Summary

Car insurance is a major cost for motorists - so it makes sense to cut the costs wherever possible. This article tells you how. (secured loan)

Car Insurance How to lower your premiums

Author: Michael Challiner

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During the last few years, the average car insurance premium has virtually been at a stand still. The reason is price competition. There are now 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 youll remain loyal and stick with them in following years. Indeed, every year, 23% of us renew our motor insurance with our existing insurer. (home insurance)

But youd be wise to remember that the lowest premium is not always the best. For example, some insurers have recently pushed up the level of claims excess they want you to pay as this helps them provide you with a much lower quote. You should loans also check out whether a courtesy car is provided if your car is in for repair. You might also feel you want legal insurance cover and automatic windscreen replacement. An accident helpline can also very useful in the middle of an emergency! Youll need to phone the broker or insurance company youre thinking of dealing with in order to check out these points. (car insurance)

17 Top Tips

for cheaper car insurance

Get your online quotes through car insurance brokers. Their computer systems will search for the best quotes from 40 or more car insurers car insurance quotations and save you lots of time. When youve got their 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 dont have a garage, if possible keep it on your drive.
Update the estimate of your mileage mortgages each year. If youve moved home or changed your job you may have shorter commuting journeys. If so, your premiums should be less.
Your premium can be influenced by your job. Landlords, journalists, and professional footballers to name but a few, all pay more! Go for a job thats a bit more boring! Accountants and civil servants pay less!

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