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How to save money on your car insurance by keeping your car clean
You may not think that how dirty (or clean) a car is has little to do with chances of it being involved in an accident
. However, research has shown that keeping your car clean can actually reduce the chances of an accident.For example, a clean windshield can help improve visibility which under general driving conditions may not make a difference but at night or when outside conditions aren't favorable, this could actually make the difference between having an accident or not.
Another example is the chassis/undercarriage of your vehicle regular cleaning can help it avoid rust and corrosion which in turn can help avoid the chances of a breakdown or an accident that could be caused as a result of a breakdown whilst driving.
Once you develop the habit of keeping your car clean, you will also be more alert to other areas of your vehicle that should be regularly maintained such as the tire pressure, engine oil levels and windscreen washer levels.
Here are some general car cleaning tips to help keep your car in top condition and avoid accidents:
Detail Vacuum: In order to have a clear access to pedals, the floor area should be clear of waste. A clutter in driving space can result in accident. The area can be kept clear by regular vacuuming.
Cleaning and polishing windows/mirrors: The windows and mirrors should be cleaned both internally and externally to ensure a have a clear visual while driving. This is very important while driving in unfavorable climatic conditions to ensure water beads off the surface more easily.
Body hand-wash: Cleaning your lights can create a prominent visual cue for other motorists.
Polishing metal components: You can spot problems in key areas of your car while polishing metal components like kidney grilles, exhaust tips etc.
How do the above tips help you save on your car insurance?
Most of the companies offer no-claims discounts so avoiding accidents have a direct impact on your car insurance premiums.
You will loose your no-claims bonus if you make a claim regardless of whether you were responsible of accident or not unless you have taken out no claims discount protection which is offered by some insurers as an optional extra. In some companies a no-claims bonus can reduce premiums by 60 percent after four or more years. For every claims you make, you will typically lose two year's worth of your bonus unless you have no-claims discount protection in your car insurance.
Additionally you can benefit from a discount if you showcase your clean vehicle in an owner's or manufacturer's club. Premium reductions are provided by some specialist car insurance providers as a reward to club members, deemed more likely to take care of their vehicles.
How to save money on your car insurance by keeping your car clean
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