Want To Pay Less For Your Car Insurance? Here’s How!
Car insurance is a necessary evil in most parts of the world. If you ever get involved in a collision with other vehicles, your insurance policy will pay any claims for accident damage. Most insurance policies will even cover claims for personal injury.
If we didn’t have car insurance, we would have to pay a lot of money in the event of an accident; something that most people cannot do. Ask any motorist and they will tell you that the price of their car insurance premiums goes up each year. That is despite the fact that some of them never make any claims!
By law, you cannot drive on public roads without car insurance. But did you know that there are loads of clever ways to reduce your premiums? That’s right; YOU have the power to reduce your car insurance costs! Intrigued? Here’s how.
Buy an insurance-friendly car
One of the ways that insurers calculate your premiums is from the car that you drive. A small city car, for example, is always going to be cheaper to insure than an exotic Italian supercar! The most-common reasons for this are as follows:
- Parts are cheaper to buy. If your car crashes into someone else’s car, it will cost less to repair your car;
- Lower risk of theft. Car thieves are more likely to steal a Lamborghini Aventador than a Ford Focus;
- Safer driving. Smaller, cheaper cars are not likely to get driven at breakneck speeds than supercars that can achieve a top speed of 200mph!
Do you find that your car insurance premiums are too high because of the car you drive? If so, you might want to think about heading down to Motorline Direct and trading it in for a more insurance-friendly model.
Be wise with your overnight parking
A lot of car thefts occur during the night, when the owner is in bed. Some folks have no choice but to leave their cars parked on the street outside their homes. But if you have access to a driveway, or even better, a garage, park your car there instead.
Garages offer the best security for cars, because it means that the cars in question are not visible to the public.
Fit a tracking device
Most high-performance and exotic cars have a GPS tracking device fitted as standard. If someone steals those cars, they can get tracked via the Internet.
You can fit tracking devices to any car, not just the expensive and exotic models on the market. Many insurance companies will discount your premium if you can prove to them that you have an approved tracker fitted to your car.
Consider moving home
Sometimes it’s the area you live in, rather than the car you drive, that can be causing you to have high insurance premiums. It’s a well-known fact that some parts of towns and cities are dodgy in comparison to others.
If you live in a rough part of town, it might be time to call it a day and move somewhere safer. Have you saved cash by following these top tips?