Most people pay astronomical premiums for their car insurance policy. That is especially the case for young drivers who have only just passed their test. However, there are lots of tips and tricks you can use to lower your monthly payments. You just need to do things right when you enter your details online. We’ll show you how to get the lowest rates possible by making some basic changes. Of course, you should never lie to a car insurance company because your cover could become void. When that happens, you’ll find yourself in hot water.
Use price comparison websites
The team at ComparaenCasa say that price comparison websites are the future for motorists seeking low car insurance. We think they’re correct to make that statement. At the end of the day, it would take hours to contact hundreds of insurance companies to get quotes. With the right price comparison websites, you can do all that in a matter of minutes. Just make sure you try at least a couple of different sites because some of them are less impartial than they seem.
Keep your car in a garage
Most car thefts occur during the night when drivers are tucked up in bed. So, you will always pay more for your insurance if you keep your vehicle on the road. Storing it on your driveway will lower the premium slightly, but you need to keep it in a garage to get the best deal. Those of you who don’t have garages attached to your home might consider renting one in your local area. Some companies do not ask if the garage is joined to your property.
Limit your mileage
Anyone who’s applied for life insurance in the past will know there are many different factors at play when determining your quote. The insurance providers need to weigh risk against reward. So, people with longstanding medical conditions will always pay more. In the motoring world, things are very similar. Those who spend less time on the roads don’t have to pay such high insurance rates. With that in mind, you need to make sure you do not over-estimate your annual mileage.
Allow them to fit a tracker
New tracking devices for cars are used by some insurers to assess your driving. So long as you are a careful and considerate motorist, the companies will reward you with lower premiums. However, they will know if you speed or go over your estimated mileage. That is why you need to research the idea carefully before signing on the dotted line. Some people don’t want their insurance company to keep track of their movements. Others feel it’s worth it for the lower prices. When all’s said and done, the decision is down to you.
Now you know how to lower your car insurance premiums this year, we hope you don’t end up paying over the odds. Just remember you always need to tell the truth to your provider to ensure you remain on the right side of the law. Driving without insurance could mean you find yourself in trouble with the police. Nobody wants that to happen.