Motor Car Insurance
5 Ways To Save Your Money When Buying?Car Insurance This Year

5 Ways To Save Your Money When Buying Car Insurance

Tired of seeing your hard earned money evaporate into your annual car insurance bill? Did you know that there are actually a number of ways cut the price of your motor insurance quote and I am about to let you in on a few ways you could influence the renewal quote price. So for affordable insurance quotes in the future follow some of the steps in this top 5 ways list. I will be publishing a second and a third top 5 ways to save and shop for car insurance online during the next few days, so why not read that one too.

1. Think long and hard about how you drive. If you tend to speed on the way to work in the morning, the chances are you?re going to be caught sooner or later! Why not try leaving just 10 minutes earlier in the mornings? Good drivers; that is non convicted drivers are the ones who benefit from lower insurance quotes. A clean driving record with no convictions gets you that discounted rate. All motor insurance companies love a driver with a good driving record. If you get any driving infractions, it will affect more than likely affect your car insurance quote for the worse. After chatting to a few insurance agents the general consensus is that penalties are generally applied to your quote once you have 3 or more points on your licenses for speeding and immediately for more serious offenses. Here is a quote from Swiftcover.com? Comparisons of insurance quotes by swiftcover.com show that drivers with a single speeding fine could see their insurance rise by as much as ?50, ?60 or even ?70 on top of already high premiums. swiftcover.com, on the other hand, does not penalise drivers with just one speeding offence1 because the company says they do not pose an increased insurance risk.? It?s your call, but changing the way you drive today could save you a fortune in the future. A clean driving record means lower rates for your car insurance.
2. Ask Your Insurers For A Discount: If you have a clean drivers license and three of more years no claims discount then you are more than likely to get a reduced car insurance quote. The best way to do this is to get a renewal quote for your next year from another insurance company before you ask. Your current insurer will want to keep you on their client list and may offer to match or beat their competitors price, providing it?s not too much of a fall. It?s a hassle moving insurers so way off the trouble of moving insurers with the size of discount your current insurer offers you at renewal time. If you own two or more cars think about getting separate quotes for each car! Many studies have found its cheaper than multi car for the majority of us. If both husband and wife are not on the insurance for both cars add the other at renewal time, this could drop the quote price especially for younger married men!
3. When buying a new car from a dealership and they offer you 30 days free car insurance, take it. Use the 30 days to look around for a better deal on the car you just bought. This takes the pressure off you so that you can make the right choice about the car you really want as well as the additional time you gain to shop around for a better deal. Save even more by not taking the gap insurance offered to you as online gap insurance companies like Click4Gap.co.uk are likely to smash the prices you were offered by the dealership.
4. Older drivers get better rates: Getting older really can help you get cheaper car insurance quotes. Car insurance companies charge higher rates for younger drivers as they base an aspect of their quote model on age based responsibility. Younger drivers and students tend not to have families and established careers? which means that they can afford to take more chances and that equates to the fact that the older you are the less you can afford to take a chance speeding, drink driving and losing your drivers license. A forty year old drive has most likely got a career and family responsibilities, needs the car for business or at the very least to get his or her family around on the weekends so a person of this age is less likely to drive in a manner that would jeopardize his driver?s license than an 19 year old driver. If you are 25 or older, you will be able to get better online car insurance quotes and after 32 you will find better rates still. Be aware that age is only a single factor in a complex set of rules used to determine a applicants final car insurance price and all rules discussed vary between insurance providers.
5. Male or Female: It?s not really all that politically correct but the facts are that women drivers do seem on the face of it anyway to be offered better insurance rates than men are. Again, it is sometimes a bitter pill for men?s to swallow, but woman drivers really do drive more considerately than men drivers, making them less likely to respond to road rage and tailgating. I would suggest that I would be hard pressed to find a man that would deny that woman seem able to concentrate on the task at hand for just that little bit longer than men (not all!) but in some cases and they are less likely too to fell a strong bond with their cars as we men do. Now, not being a psychologist I would still suggest that this means that woman are less likely to drive as aggressively as we men do, and I may be wrong here, but that will help reduce the risk of them being involved in an accident than men are. Having been so hard on us men folk, let me end off this point with the following, nothing above is fact, just my opinion, but here is something for the men, we have wrestling, dirt bikes, motorsport and football, woman have sixty quid a year knocked off their insurance premiums. You choose?