13 Tips On Saving On Car Insurance

Car insurance can be a substantial cost, so understanding how to keep it as low as possible is a boost to anyone. Here are some tips to do just that.

1. Shop Around For Insurance

The best way to save money on car insurance is to shop around. In fact, some experts say you can save more than half on your premium by doing this. Don't accept a renewal quote every single year.

2. Limit Who Drives Your Car

The more people you have on your policy, the more you'll pay. This is especially the case if you're covering younger drivers. When your kids get their own motor insurance, make sure you remove them from your policy.

3. Request More Excess

Many insurance companies charge an excess fee. This fee is what you pay out of pocket for repairs that you claim. If you want to reduce your premium, then increase your excess.

4. Use A Different Vehicle For Work

Don't use your vehicle for work. The cheapest policies cover domestic, social and pleasure. Using it for work is when things get pricey.

5. Mileage Caps

Agree to mileage caps because you can easily receive up to 10 percent discount on a 12,000 mileage cap (annually). Do you have more than one car in your household? If so, then agree to a higher mileage cap and you can end up saving a lot of money.

6. Brokers' Commissions Can Be Avoided

Avoid brokers' commissions. This can easily cost you more.

7. Purchase via The Internet

You can save a substantial amount by purchasing via the internet. In fact, some say you can save around 5-10 percent by doing this.

8. Downsizing

Cars that don't have big engines or worth less tend to be cheaper to insure.

9. Store Your Vehicle

Store your vehicle in a garage. Doing this can easily save you money. In fact, you can save up to 10 percent on your annual premium.

10. Ask For A Discount

Another discount you might qualify for is an introductory discount, even if you have driven another car, such as a company car. Some companies want your business and this is why they have an introductory discount. If they don't tell you they have this, then simply ask for it.

12. Protect Your Bonus

Sometimes you can make a claim in certain situations and these claims won't affect your claim bonus. However, you'll pay a small premium right from the get go. The good news is you'll save a lot of cash in the long-term.

12. Black Boxes Can Help You Too

There are black boxes, and you should have this type of device fitted into your car. Insurers will definitely know how your car is being driven and you can agree with any curfew limits they tell you about. This will result in saving money on your insurance.

13. Improve On Your Overall Driving Skills

Finally, improve your driving skills. Take a PP driving test. Doing this will help you save on your premium. Have a look around at the different qualifications and things you can take that can reduce your premium, and then show your insurance company that you passed everything.