Find ways of lowering your risk
This could go a long way towards lowering your premium. You could start by checking if security fittings on your car could lower your premiums.
By parking your car in a garage overnight, this could also result in discounts.
By installing an immobiliser and tracking device this could slash your car insurance premiums significantly.
You could also drive an average model car. If you want to lower your car insurance by quite a bit, you could choose a model from a low insurance group, as insurers prefer models which are not too expensive to repair.
Consider ways of improving your credit rating. Contrary to popular belief, credit ratings do have an effect on car insurance quotes. If you can prove to insurance companies that you are reliable and that you pay your debts on time, this could significantly lower your level of risk.
Consider a various number of factors that are used to quote you
Insurance companies consider a range of factors such as:
- Your age
- Where you live
- How often you drive
- Your job
- How long you have been driving
- Additional drivers of your car
- The type of car your drive
- Where your car is parked during the day
- Your credit score
- Your previous claims history
Make sure that you’re getting the right type of cover for your needs
You need to assess the car insurance quote thoroughly to make sure that you are getting the right type of cover for your needs. It’s important to look beyond just price.
Ask about additional discounts
By adding the name of an older, more experienced driver to your car insurance policy you may qualify for a discount. You should also ask about discounts related to No-Claims as well as discounts for driving well.
Ask about excess
If you pay higher excess, you may qualify for lower premiums.