Wedge Car
2010
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Wedge Car
5 Top Tips for Cheaper Car Insurance
Finding the best deal on your car insurance has always been a stressful process. Insurance costs are rising in general, and with the plethora of different insurance companies offering all sorts of products it can be easy to get confused by what's on offer.
Understanding your risk:
While all sorts of online tools (such as price comparison services) are now available to help you with the business of searching for cheaper car insurance, just gaining a little understanding of how insurance companies view the risks associated with you can help to reduce your overall costs, whichever company you decide to settle with.
Insurance companies base the amount they charge their customers on multiple factors that affect the level of risk they perceive that customer as having. The most obvious area in this regard is age - if you are a young driver, you will naturally be regarded as being higher-risk than a older driver with more experience, and you will therefore be liable for greater costs. Similarly since research shows women to be more careful drivers than men, men often end up paying a greater premium because they are perceived as higher risk.
Lowering your risk:
OK, so you might not be able to change your age or your gender, but there are plenty of other factors that determine the cost of your insurance that you do have some degree of control over, and by tweaking a few of these anyone, young or old, male or female should be able to save a packet on the cost of insuring their car. Below, we've listed 5 simple tricks for lowering your car insurance.
- Off-street parking
One of the key factors affecting the cost of your insurance is how safe your car is when its not in use. Things like the crime rate in an area can seriously change your associated risks so being able to prove that you keep your car in a garage, or even simply parked off the street (in your drive, or a neighbour's maybe) can cut a wedge off the bottom line when it comes to your costs.
2. Vehicle security
In a similar vein to parking off street, improving the overall security of your car can lead to a big reduction in insurance costs. Most modern cars come fitted with devices such as immobilisers, and letting your insurance provider that your car is protected in this way should get you a discount. If your car is an older model, getting an immobiliser fitted may not really be feasible, but acquiring any decent alarm system should still save you a bit of cash in the long term.
3. Pay upfront
Most insurance companies these days will offer you the option of insuring your car in full and then paying in monthly or quarterly instalments. While this may seem like an attractive offer when cash is tight in the short term, if you can manage to make the whole payment in full you will undoubtedly save money in the longer term. In effect the insurance company is loaning you the cash to buy their policy and then charging you interest as you pay it back - by paying upfront you can avoid these extra fees and save a decent percentage in doing so.
4. Drive Safely
It really doesn't get said enough, but the truth is that if you want to significantly lower your car insurance costs in the long term, driving safely is the absolute key. Virtually all insurers will give a discount the longer you are insured with them without making a claim (if yours doesn't its time to switch provider), so building up this discount should be of paramount importance to anyone looking to save. Ask yourself whether making a claim in a given situation is worth potentially losing it. One way of improving your driving safety record is by taking a defensive driving course such as Pass+. Insurance companies love these, and they can be particularly worthwhile for younger drivers.
5. Switch policy
We've left this point till last as switching insurance companies is quite a big step, yet crucially this is where the greatest savings can be achieved, and if your policy is up for renewal, what better time to secure a real discount. There are several points to remember when switching of course (e.g. will the new company carry over my no-claims bonus from my current provider?) but it will likely save you money anyhow. If you take the amount you currently pay as basis to work from, you can approach new insurers with a good idea of what kind of discount you expect. Consider all your options - if your car is a classic model to may be able to get discounted insurance through an owners' club. Try using a comparison website or perhaps a local insurance broker to see what you save.
By following these simple instructions you should be able to make a killing the next time your car insurance comes up for renewal.
About the Author
Tom writes articles that help people get the best deal from the car insurance. He also owns and maintains the website www.bestmulticarinsurance.com which aims to provide simple to follow guides on multi car insurance
how can i transport a vehicle on a 3 car wedge if it has no keys?
You don't.
Wheelstanding 1964 Plymouth Max Wedge Super Stock
