Find out the best tips to save money and lower your car insurance.
1. Be a good driver
The insurance premium is largely dependent on the number of claim-free years you have built up. So build your no-claims discount of up to 80% of initial premium. Row therefore cautiously and build such a good history on.
2. Choose your car wisely
When you buy a luxury Mercedes will not be surprised that you pay a higher premium than for a small middle class. Older and smaller cars to insure the cheapest.
3. Choose a policy that suits you
You may not need the most complete coverage, so do not pay for extras you do not need. New and young cars are almost always assured all-risk. Cars from 5 to 8 years old, have a limited timeframe than older cars with some car insurance.
4. Compare to save
Compare several providers before you sign a new car insurance. Use a premiere car insurer or use google to search for the best deals including the cheap Internet insurers.
5. Note the deductible
The deductible is the amount you have to pay yourself when you submit a claim. If you choose a lower deductible than usual, then you pay extra. Increase your deductible, you can get up to 20% premium.
6. Pay on time
For late payment will void coverage. Even if you do not indicate at that time that is important change in your life, such as relocation, which may affect the coverage.Keep your agent or insurer of such changes on the pitch.
7. Estimate your mileage not too high
With many car insurers, you must indicate how many kilometers per year you drive. In may place the average is about 12,000 km. Drive more than you usually pay a fee. But do not take a risk by the number of kilometers you drive deliberately low estimate because it can be at the expense of coverage.
8. Please note acquisition schemes
Total loss of your vehicle due to theft or for example, a collision is one of the biggest financial risks that you run as a driver. Therefore, in my opinion the new car replacement and cars settlement so important. An acquisition scheme indicates how long the time is that you get back the purchase amount instead of the daily value for total loss. When a "bad" regime replacement value you get back 65% of the purchase price after three years, with an extended replacement cost control everything.
9. Fee payment deadline
Several car insurance companies charge a surcharge for installment payment. You pay per month then you can up to 6% extra.
10. Be guided not only by price
Obviously you do not want to pay too much for car insurance. Yet to be determined is wise only what you need and what coverages you think is important, then compare car insurance. So you want to insure your car with Limited tort or full tort? Want an extended replacement cost control, favorable occasion scheme or no-claim protector? Then choose the right provider and an appropriate car insurance and you have little to no additional cost.