subject: Learn How To Lower Your Car Insurance Premiums [print this page] Car insurance is a major investment for most motorists, so it always makes sense to get the best deal possible. With a little know-how, you may be able to find the most appropriate and adequate cover at reasonable prices to suit your pocket.
Competition has helped keep the average monthly car insurance premiums pretty much at a standstill in recent years. There are easily more than 100 car insurance companies in the UK fighting for your business. They have developed slick marketing tactics that has created incredibly fierce competition. In fact, you will find an exceptional amount of companies that include the word 'discount' or 'bargain' in their very name.
Cutting premiums is a popular ploy for many upstart insurance providers today who hope to attract new customers that will remain loyal always renewing policies in subsequent years. Statistics point to the fact that at least 23 percent of UK motorists renew their car policies with the same provider per year.
The Internet has created a revolution for marketing all sorts of products and car insurance is no exception. In fact, the cheapest car insurance quotes can be found on the Internet. This is due to the fact that insurance providers operating an online presence do realise lower costs and subsequently lower premiums in order to attract a larger market. Online businesses are no longer limited to a geographic area.
Where once you had to drive all over town visiting one agent after another to get information in order to make an informed decision about what policy to purchase, all you need to do today is to turn on your computer and with a few clicks of a mouse all the information you need is readily at hand.
As is the case when shopping for almost anything, the lowest price is not always the best. For example, many providers have raised the minimum level of claims excess you are required to pay because this will help them provide you with a lower quote. There are other small items that are going to hit your pocket in the event you ever do have to file a claim such as if a courtesy car is available for use when yours is being repaired.
There are also other items like legal cover and automatic windscreen replacement that, if not included, should be included in your determination whether this particular cover is cost efficient or not. Another factor that you might never consider as a cost item is the availability of helpline. Companies offering 24-hour helplines are providing a useful service that when absent will absolutely result in extra costs to consumers suffering an accident on the road.
Often the easiest way to find the cheapest car insurance quotes is to go through a broker who has access to all companies that can offer you insurance cover. Many insurance providers have an online presence and, by filling out one simple form, you can receive as many as 40 different quotes.
Also, don't be frightened to negotiate. Once you received at least five same-type quotes, contact these providers and ask them point-blank what needs to be done in order to lower the premium further.
by: Tom Jones
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