How to Lower Your Car Insurance Premiums By Thomas Kerrin At Isnare.com Ezine Articles

If you are a road user, you’re required by law to have at least third party insurance, covering damage done to others as a result of your driving. It can be an expensive requirement, and can be both draining and confusing hunting down the right policy. But there are things that you can do to lower your premiums and make it that bit easier.

To begin with, it is a good idea to get your quotes online through car insurance brokers. Their computer systems will search for the best quotes from dozens of insurers and save you time and effort. When you get the cheapest quote, phone the company which provides it to talk to them in more detail.

Of course, some of the factors which insurers take into account when giving you a quote are effectively out of control. For instance, you premium can be influenced by your job: if you are a landlord, a journalist or a professional footballer you’ll have to pay more, whereas accountants and civil servants pay less. Younger motorists are penalised too as insurers deem them to be more of a risk; however, you’ll also face higher rates from most insurers if you are over sixty! Insurers will usually offer lower premiums to married couples too.

But all the same there is still a lot that you do have control over. Making your car safe is vital: keep it in a garage at night. A car which is left on the road through the night is far more vulnerable to theft and damage, and if yours is left out you will face higher premiums. If you don’t have a garage, try and keep it on your drive. Getting an engine immobiliser or alarm fitted will usually save you around 5-8% too. Insurers may charge you less if you have a satellite navigation system fitted as these gadgets tend to reduce accident rates by allowing drivers to concentrate on the road.

If you are a new driver, then you should consider taking some more driving lessons to improve your technique. You can slash your insurance costs by as much as a third by taking Pass Plus lessons which give you extra training on the road. If you are willing to pay a higher excess, you will be rewarded with a lower premium. If you’re buying a new car, make sure you check what insurance bracket it fits into before you make a purchase. You may find it cheaper to consider pay as you go insurance, which charges you for how many miles you drive, charging a higher rate if you drive at night, by tracking your vehicle via satellite. Updating the estimate of your mileage cost each year may make you a saving if a big change such as moving house or switching job causes your commuting journeys to be shorter.

If you bear in mind all these things when looking for car insurance, you will be able to find a better rate.

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