subject: How To Get Cheaper Car Insurance [print this page] How much is a gallon of fuel at your local pumps? There is every chance that it is a lot more than it was just twelve months ago. Today the cost of owning and using a motor vehicle can hardly be called cheap, but nevertheless for most of us we see car ownership as prerequisite to leading a full and rewarding life. As it is not possible to have any bearing on the cost or fuel, or the price of tax, it is important to look at other ways you can reduce the expense of owning a vehicle. Car insurance is one area where it may be possible to reduce your outlay considerably.
The following pointers, if understood and implemented, should allow you to save hundreds of bucks from the annual cost of your policy.
Age of vehicle: Did you know that the newer the car is the more expensive it will be to insure. This is because a showroom model would be a lot more desirable than would an older vehicle that has already had a number of knocks and repairs. If you keep your car for five years, or choose a used model that is five years old, then the cost of the insurance can be brought down dramatically.
Usage: How many miles do you cover each week? This is an important consideration when the quotes are being calculated. If you use the car only every other day and primarily to attend social functions and to collect shopping then the overall expense of the policy would be less than if you were to use it to commute to work daily.
Storage: Where do you keep your car when it is not being used? If you park it in your garage then the insurance cover would be more economical than if it was kept on the road or on your driveway. The more secure the vehicle is the lower the premiums are going to be. Also, you can save money in the long term by installing anti theft devices.
Age of Driver: Most insurers believe that as we age and have more experience behind the wheel we are at much less of a risk of being involved in an accident. Typically, as we pass twenty one and then twenty five the quotes we are given will drop by a large amount.
Engine Size: What is the size of the engine on your vehicle? In most countries if it is under 1400CC you can get a better deal on the insurance cover. If you were to choose a large gas guzzling car then not only would you be paying more for fuel each week your policy would also be costlier.
Discounts: Many insurers offer discounts though they may not be forthcoming with the information initially. Do not be afraid to ask for a no claims bonus or an introductory discount. As there is intense competition for customers most insurers will do whatever they can to win you over. Make sure that no extras are added to the policy unnecessarily.
by: Lance Thorington
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