3 Top Tips for Cheaper Car Insurance

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Cheap Car Insurance
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3 Top Tips for Cheaper Car Insurance
Despite the economic recovery, car insurance is
one of the few industries where customers are
still seeing rising prices year on year. In
part this is due to the increasing number of
young and accident prone drivers on the road, but
its also because insurance companies are aware
that most people will happily auto-renew their
premium without checking the details. However,
with a few tips and tricks, you can easily
get cheaper car insurance.
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The first and most important step when your new
car insurance policy comes through the post is to
immediately pick up the phone and start to
negotiate the terms. The rapid rise of
insurance comparison websites means that you can
arm yourself with a multitude of other quotes in
a matter of minutes. The person in the call
centre will be heavily invested through
commission to retain your custom, so simply tell
them the cheaper car insurance deals that youve
found and theyll usually be able to match it or
reduce their price. You can play the more risky
game of threatening to leave and it will depend
on the person youre talking to as to whether
theyll simply let you go or will go find a
supervisor to knock some more money off.
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If youre finding that your cheap car insurance
premiums are rising each year, even when youve
not had an accident, have a look at what
additional perks have been added to your policy.
Insurance companies are notorious for
scaremongering their clients into having more
protection than they could possibly need and each
level of protection can be charged for. Typical
perks that boost up your premiums include
unnecessary levels of medical and legal fee
coverage, road side assistance and a courtesy car
till youre back on the road. Regardless of the
fact that you can get these perks for cheaper
with a breakdown recovery service like the RAC or
Green Flag, youll still save money by removing
these from the policy.
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Finally, having a higher excess in the case of an
accident is a sure fire way of getting cheap car
insurance. As a general rule of thumb, youll pay
an extra 100 in premiums for each 200 less of
excess you choose to pay. Of course, the amount
of excess you choose has to be dictated by how
much spare cash you have available in the case of
an accident, but if youre a safe driver or dont
do a huge number of miles each year, you should
be safe with an excess of 500 which should save
you around 200 a year. Source
https//bestcarinsuranceblog.wordpress.com/2015/11
/17/3-top-tips-for-cheaper-car-insurance/
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