Finding cheap car insurance is increasingly difficult with average premiums having risen by £50 during the course of 2008. So here are 10 simple tips to drive your premiums down:
1. Choose your vehicle carefully - Cars with smaller engines and limited modifications qualify for cheaper premiums because they are less likely to be driven at high speeds or targeted by thieves.
2. Think about the level of cover you require - If your car is worth less than £500 you should only need third party coverage, the minimum legal requirement in the UK. Comprehensive coverage can be expensive and so is best-suited to higher priced cars.
3. Choose policy options carefully - Only select the coverage you require. For example, do you really need a courtesy car if you have a second vehicle in your household?
4. Think about how you will use the car - Most car insurance companies offer standard, domestic and pleasure (SDP) use as standard. Only add on commuting if you will use the car to travel to work and only add on 'business use' if you run errands or travel to meetings as part of your work schedule.
5. Increase your voluntary excess - This is the amount you pay in the event of an accident. The higher the excess, the lower the premium.
6. Park in a garage overnight - Many insurers will offer discounts in the region of 10 per cent if your car is safely parked in a garage at night.
7. Increase security - Add security devices such as car alarms, immobilisers and trackers to earn discounts but ask your insurer which products it recommends before purchasing.
8. Limit the number of named drivers - The more people who drive the car, the higher the risk posed. So limit the number of drivers on a policy and consider taking out temporary car insurance as and when someone else needs to drive the car.
9. Pay annually - If you can afford to, pay your car insurance premiums up front to cut out monthly interest charges.
10. Shop around online - Use a comparison website to find cheap car insurance online. Most car insurance providers offer cheaper premiums on the web due to reduced overheads.
Article Source: http://EzineArticles.com/?expert=Alex_Gregory
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