Shopping Around Is The Best Method Finding Cheap Insurance

There is a whole laundry lists of factors you need to consider when trying to save money buying car insurance

. The smart consumer will always do comparison shopping when seeking the best policy - and cheapest - possible. Here are the considerations to make.

Parking:

Always select a secure location in which to park your car, preferably in a locked garage or a secured off-road parking area that will be welcomed by your provider helping reduce monthly premiums.

Combine Policies with One Company:

Bulk purchasing is a favourite concept for buying most anything and insurance is no exception. Large companies offering all types of insurance, life, home, health and others, will typically offer discounts for placing all your insurance needs with them.

It is Alarming:

And if it isn't, it should be! Insurance providers offer discounts to consumers installing Thatcham-approved devices that are recognised throughout the industry thus reducing your monthly premium. Although the cost for installing an anti-theft device might be considerable, the benefits from reduced insurance costs as well as peace of mind outweigh the investment.

Put it Up Front:

Insurance providers add a hefty rate of interest, 15 percent, when they offer you the ability to pay your annualised premium on a monthly basis. It will always be incredibly less expensive paying your premium in one fell swoop.

Get Thee Online!

Make use of the Internet to purchase the cheapest car insurance possible. Policies available online are usually less expensive due to the lower operating costs incurred through an Internet presence. Since online commerce presents little overhead, premiums are usually 10 percent cheaper.

Go Shopping:

Never settle for the first quote you find. Always look around making sure to compare apples to apples. Keep in mind certain companies may charge you more than others because you do not fit their targeted category of drivers.

Consider Insurance Costs When Buying a Car:

Often consumers are unpleasantly surprised finding a high premium is charged because of the type of car purchased. Some cars are considered much higher risks than others. You can check out a particular car's insurance group rating at the dealer when looking to make a test drive for your new set of wheels. The ratings differ greatly between groups. A car in group 1 will have an insurance cost that is but a fraction of that demanded for a vehicle in group 15.

Getting Better Behind the Wheel:

There are many providers willing to reduce monthly insurance premiums for consumers who have passed advanced driver training. Always consult with an individual provider for their availability granting reduced premiums for policyholders who achieve advanced driver qualifications.

Multiple Vehicles:

It is a wise choice that you bundle cover for all cars you and your family members own under one policy. Many providers offer multi-car discounts that can be a significant savings when selecting to insure them all on one policy.

Choose a Larger Excess:

You will always gain the cheapest car insurance costs when you elect to take a higher excess. Just make sure doing so does not put you in a financial stranglehold in the event a claim needs to be made.

by: Tom Jones

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