How To Get Cheap Car
The law requires
that every car driver must carry some type of car insurance. The cost for this type of
insurance may vary depending upon the insurance provider and the details included in the policies. Car insurance is
compulsory, and though first time drivers find it very expensive, there are ways to keep the costs down. Here are
some suggestions as to how you can find or get the cheapest car insurance premiums.
Choose the type of car which is not easily associated with
accidents. When calculating insurance quotes, you should know that details such as the car’s engine size, its
age, value, and brand are all taken into account. High powered and expensive cars often have the highest rate
of insurance premiums. Vehicles with small engines, lesser modifications, and easily accessible spare parts
are the best option for a cheap insurance.
Some people only apply for three or four insurance quotes but it
is advised to apply for more, since this will give you better options, and an easier way to spot great deals.
You will also have higher chances of finding cheap insurance premiums. Be thorough when comparing insurance
quotes. One may appear cheaper but when all other extras are taken into account, you might find that even
those which seem to be expensive are better deals and will cost you less.
No Claims Discount
The most reliable way of reducing car insurance premium is through
building a no claims discount. It is highly recommended to have one but this means that you should first get
your own car insurance policy. For first time drivers and those below 25, getting insurance may cost a lot,
but after having one, you can start enjoying the benefits of building no claims discount.
Get Car Insurance Quotes
Car insurance quotes are constantly changing. You may be satisfied
with the insurance provider you have right now, but you’ll never know when you’ll find the cheapest bargain,
so it’s better to look out for other options at least annually. Some insurance companies offer great deals to
transfers and new customers, and you just might find one which can give you even more benefits that what
you’re having right now.
Fully comprehensive car insurance will give you more coverage and
is more recommendable, but is expected to be more expensive. If you are just starting, and especially to
young drivers, Third Party Fire and Theft is much cheaper and more ideal if you feel that there is less to
insure. What’s good about choosing less coverage is that for a less expense you can now have your car
insurance and you can also start building your no claims discount, which will give you more
If you are a young driver, adding a more experienced driver or
someone older, to your insurance policy is suggested. Your parents or any direct relative with an excellent
driving record will be the best option. Some companies may not consider this as a contributing factor to
reduce premiums. However, it’s still worth trying as this will mean that you are under the supervision of an
experienced driver, thus reducing your risk of getting involved with accidents.
Purchase Online Car Insurance
Some companies offer discounts for clients who choose to buy car
insurance online. Insurance providers find this easier and more advantageous since insurance agents are no
longer needed to close the deal, and there will be lesser overhead. When you buy insurance online you can get
up to 10 percent savings, plus it’s a guarantee that all your transactions are well protected through
electronic and encryption technology. If you plan to change your policy, purchase and printing will be much
easier. Almost all transactions, whether banking or shopping, is now done online, thus safety and reliability
is not an issue.
Female drivers typically have lesser insurance premiums compared
to men. If you want to insure your family car which is, by description, used by both husband and wife, then
it is only logical to put the wife’s name as the main driver in the insurance policy.
Young drivers or first time drivers aging 25 often find car
insurance as a burden. However, there are discounts offered for those who maintain a high GPA in college or
even in high school. This is another way to save a great deal. Insurance companies expect responsible
students to stay out of accidents, thus reducing their risks and their premiums.
These are simple tips to follow if you want a cheaper insurance
for your first car. Don’t waste time and start looking for the best deal now.