How to get the best deal in car insurance

The cost of car insurance has risen steadily over the last few years.

Follow below five simple steps and save some money by getting the right car insurance.

  1. Lower your risk

Cheap car insurance is not necessarily the best car insurance but there are a number of things you can do to lower your insurance risk and push the price of your car insurance down.

  1. Make your car more secure

Park in a garage or driveway if possible. Fit an approved alarm or immobilizer. Make sure security devices are approved and certified. Drive an average model

  1. Insurers prefer popular models which are not as expensive to repair.
  2. Check rates for most vehicles at the Group Rating Database.
  3. Be accurate about your mileage -The lower your annual mileage, the lower your premium.
  4. Drive safely – Prove that you are a low-risk driver – some insurers will give you a discount if you have taken an advanced driving course. Insurance claims or points on your licence will increase your premium.
  5. Add a second driver – Smooth out the risk by adding a second, lowrisk driver – even if they don’t use the vehicle much. (Adding newly qualified young drivers will increase the premium.) Don’t break the law by pretending the second driver is the main driver.
  6. Don’t pay for what you don’t need – Sometimes your insurer or broker may try to sell you add-ons, like legal expenses cover. You may be able to get these products more cheaply elsewhere, or you may not need them at all.
  7. Shop around – The more time and research you put in to obtaining quotes, the more likely you are to get a better deal. This is especially important if you are over 70 or under 25, and at the first year renewal when premiums can go up significantly.

Remember, cheapest is not necessarily best. Get the right cover or your policy will not pay out when you need it.

  1. Ask for a discount – Go back to your current insurer and ask them to beat your best quote.

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