subject: My Cheap Car Insurance Tips [print this page] My Cheap Car Insurance Tips
In terms of life's priorities, car insurance probably doesn't rank all that highly on most people's lists. However, that doesn't mean that it should be overlooked or ignored entirely. All drivers by law need to be protected by some form of policy. As unfortunate as that may be, you can at least save yourself some money on your annual car insurance premium by following a few simple rules.
Do your own research
We can all go to an insurance company's website, retrieve a quick quote and get car insurance within a few minutes. However, how can you be sure that you're getting the best deal available? The easy answer is that you don't; how could you in fact?
No, if you're committed to cheap car insurance, then you have to be equally committed to the research involved in securing it. There's no need to commit hours to calling around each and every insurance provider; however, there's plenty to be said for spending a good few minutes hunting around to see what's on offer elsewhere.
Don't get more cover than you need
There's no harm in getting the highest level of cover available; however, if you're planning on buying your car insurance on a budget, it might be best to rethink this particular strategy. Cover costs cash, it's as simple as that. The more you are insured for, the greater the potential risk for your insurance provider. This invariably gets passed onto you and your policy.
So if third party is enough for your motor, don't go out and get comprehensive car insurance 'just in case'. Fine, there will be no need to worry if you're involved in a small collision or your vehicle is stolen, but there's also a good chance that you'll never see any kind of value from your policy. Especially if you end up spending more on your annual insurance than the car is actually worth - not a great investment.
Double check all details
If you're being asked to provide estimates on your annual usage or where the car is going to be kept at all times, it's a good idea to make sure that this information is accurate. If you end up exaggerating or generally being well wide of the mark with these figures, it could end up costing you a small, but not all that insignificant amount of money.
Don't take the first offer
If you need to call a car insurance company to finalise your policy, why not ask if there are any other ways of reducing the cost. Sometimes a small tweak can knock a few pounds off and help to make your premium appear to be much more manageable. This is far from being guaranteed; however, it is always worth enquiring further, just in case there is an opportunity in there somewhere to shave a little cost off.
Buy it online
This might sound like an obvious (and some may even suggest, ineffective) way of getting a cheap car insurance deal, but it really does work. There are many companies who operate solely on the Internet and as such don't have the overheads that many of their offline competitors incur. As a result they are able to pass on the savings to customers, like you.
Have a shop around and see how the prices shape up, more often than not there's a good deal to be had by going online.
These of course are just a few tips that can help you to get cheap car insurance. If you take your time and use common sense, a short search can make a big difference to what you're paying to cover your vehicle each year.
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