There are many ways to secure deals on your motor insurance. With the rising cost of fuel and motoring in general, having the option to reduce the cost of your insurance can make all the difference when it comes to your household budget, so knowing how to do it is important. The following ideas should get you started on actually being able to find the best motor insurance deals with your broker.
The biggest factors that typically have an impact on the levels of premiums for motor insurance are your age, where you live and your gender. The car you have also plays a part, as does your driving history.
One thing you could easily do to reduce your premium costs is to pay a higher excess. Most insurance companies now offer this option, but this was not always so. Ask your insurer what levels of excess you can pay and they should tell you. This will allow you to offset the cost of an incident against your premiums, and consequently have a reduced monthly premium as a benefit.
Many companies respect the fact that your car is secure and is at less risk of being vandalised or broken into. This is because it reduces liability that they will have to pay for in the event of a claim. If, therefore, your car is off the road and in a garage, then some insurers may reduce your premiums due to your car being “safer”.
In addition if you can say that you have an immobiliser or other security device attached to your car, your premiums should be lower still. Basically the more secure you can make your car, the more insurers tend to relax!
Try your best to make it so you can pay your premium in one go rather than paying by direct debit. Often, insurers will charge you a bit extra if you opt to pay by direct debit. When you bear in mind that some companies can charge interest if you pay your premiums by monthly instalments, then the option to pay in one go seems a lot more attractive.
Take the chance to improve your driving skills if you can. Pass Plus is a test that you can take that will show insurers that you are a more skilled and careful driver. If you have the opportunity to take this test, and then do so, it may reduce the cost of your premiums.
Obviously, drive carefully. Speeding fines and other motoring offences can bump up the cost of your car insurance considerably, with some insurers even refusing to cover motorists who have notched up several pints on their licences or similar.
You can typically get cheaper premiums if you drive a small, family car compared to a flashy sports car so when it comes to buying a new car, look at the insurance group before you buy!
Finally, to get the best motor insurance deals, never just automatically accept your car insurance renewal notice. Shop around or get a broker to do so on your behalf. You may be surprised just how much you can save on the cost of your motor insurance!
Author Resource:-
David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.
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