Cheap Car Insurance - 10 Tips to Finding Cheap Insurance for Your Car
So, you are looking for cheap car insurance. The first thing you need to keep in mind is that there are many factors influencing the insurance cost. Your insurance provider will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. This articles sums up the major factor on which your car insurance premium can depend.
You Driving Skill
How safe are you as a driver? How is your driving history? Do you have any record of accident or traffic rule violations? Driving history is one of the biggest factors affecting the car insurance cost. Insurance companies feel more comfortable to offer cheap car insurance to safe drivers. If you don't have a good driving history, consider taking an advanced driving course.
Your Car
What type of car do you drive? How insurance friendly is your car? The cheaper and slower your vehicle the lower your premiums are likely to be. It is hard to find cheap insurance for sports cars, large SUVs, luxury cars. Cars with small engines, added safety and security features such as air bags, tire pressure monitoring systems, car alarms etc. are more insurance friendly.
Location
A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.
Annual Mileage
Keep your annual mileage low. Consider car pooling, using public transportation system when possible to maintain a low mileage. But, remember that if you exceed the restricted number of miles you'll then become uninsured.
No Claims Discount
Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.
Your Sex.
Women are more safe and law-abiding drivers as compared to men which often helps them getting cheap car insurance. Companies like Sheila's Wheel, Diamond, GirlMotor etc. are more targeted towards female clients.
Your Age
The older you are, the less likely you are to make a claim. As a result insurance companies charge lower premiums for more mature drivers.
Cheap Car Insurance - 10 Tips to Finding Cheap Insurance for Your Car
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