Ten Tips To Get Cheaper Car Insurance
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Ten Tips To Get Cheaper Car Insurance

By: Nigel M

In the United Kingdom it is law that you have current car insurance if you want to drive on the public roads. So, why pay more for your car insurance if you don't have to. After all the money is better off in your pocket instead of theirs.

Here are 10 ways to help you get cheaper car insurance. If you can implement some or all of these, you will possibly save some money on your car insurance.

1. Shop around every year for a better deal

To get the best deal on your car insurance, you need to compare insurance providers, preferably once a year. With the use of the internet it is not a difficult task. Different companies have special deals at different times so you may be able to switch to a provider that has a current deal on when you are looking to switch. There is no cost for you to change insurers, and companies often provide new customers with extra bonuses.

2. What bolt on "Goodies" are included?

Many insurance policies are now very basic and you can add other services and features at an extra cost. Ask yourself, do you need all of the extras that are provided?

3. Courtesy Cars

You need to find out if a courtesy car is included in your policy. When is the car supplied? Does your car need to be written off or only damaged? Do you need to pay extra insurance on the courtesy car? If this add on is not needed then remove it from your policy and save.

4. Legal Protection insurance

This insurance is there to cover you if you are involved in an accident that is not your fault. It lets you claim loss of earnings from the insured driver who is at fault. The insurance pays for the legal fees of the court case. All of these claims are assessed on the chance of winning the court case. If the insurers do not think you will win, they will not pay the lawyers to have a go and hope for the best.


5. Roadside Breakdown Assistance

Does your policy include breakdown assistance? If you already are a member of a roadside service, then there is no need to be paying twice. Often when you buy a new car, this service is included for the first two years.

6. How do you pay for you car insurance

Paying your bills on a monthly basis is much easier on your cash flow, however some insurance companies charge you an additional amount for this pleasure. Confirm with your insurer to see if they charge an additional cost for this service. Calculate how much the difference is, as you might still be saving money over the year with a slightly increased premium if you have the use of the money instead of the insurance company.

7. How much is your excess?

Your policy excess is the amount of money you are willing to pay at the beginning of a car insurance claim. The higher your excess is, the lower your premium will be. Check your policy as you may have different excesses for different types of damage or for different drivers.

8. Personal Belongings

Does the policy cover any of your personal belongings in the car or replacing the locks in the event that you loose your car keys? This add on can be very important if you often carry expensive equipment like laptops in your car. You might have to itemise some high value belongings with the insurer before they are covered, so check first.

9. Authorised repairers

Often insurers will let you get your car fixed immediately by using one of their authorised repairers. This will speed up the process in getting your car fixed. If you need to get three quotes from three different repairers you will spend time organising paper work and running around. This will delay your car getting fixed and back on the road.

10. Do you have your home insurance with the same provider?

If you have your car insurance and home insurance with the same insurer, they will often give you a larger discount on your premiums. This can also be an advantage as you only have to remember one comapnies details in the event of an accident.

Article Source: http://articlenexus.com

Nigel is a successful webmaster and publisher of a UK website highlighting car insurance best deals. This site allows you to check no claims car insurance costs and commercial insurance vehicle quotes.

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