Not causing any accidents or generating any claims will earn you a no claims bonus which will qualify you for discounts on future premiums. The no claims discount may be transferred between cheap car insurance and you can get up to 75% discount on typical prices in the event you manage to remain claim-free for five years. Some insurers also provide you with the option of paying to safeguard your no claims bonus to ensure that 1 prang doesn’t wipe out years of careful driving. Insurers also take a look at any endorsements on your driving licence so keep your speed down and do not use your mobile while behind the wheel.
A couple of insurers provide pay-as-you-go cheap car insurance and monitor your driving habits by fitting a GPS device to your car. These policies tend to be aimed at younger drivers and aim to dissuade people from driving at night when most accidents occur. They are able to be worthwhile in the event you do not drive a lot and stay off the road between 11pm and 6am.
Among the questions insurers ask applicants is where they generally park their car overnight. Securing it in a locked garage will be the greatest option but parking it off-road on a driveway or in a private space is great too. Also make sure you fit an immobiliser and car alarm. Your postcode is another cheap car insurance factor - but not 1 you are able to do much about. Insurers will hike your premium if you live in what is deemed as a high risk area such as a city centre or an area with a high crime rate.
Rather than accepting the renewal quote from your existing insurer, shop around for a cheap car insurance premium from a competitor. Likewise, if you’re buying a brand new car don’t accept the dealer’s insurance provide without comparing costs initial. Web comparison websites such as Confused.com make this easy. By filling in 1 form you are able to get quotes from 97% of insurers within the market. The difference between the highest and lowest quotes may be hundreds of pounds.
When you ask for a cheap car insurance quote you will be asked what level of excess you want to pay. The excess will be the amount you will need to contribute to any repair or claim prior to the insurance kicks in. The greater the excess the less opportunity the insurer will have to pay anything at all so the lower the quote. But if you opt for a high excess think about whether you could truly afford to pay this amount within the event of an accident.
Courtesy cars, cover abroad and becoming covered to cheap car insurance drive other people’s cars may be helpful but think about whether or not you'll truly require them. If you have a second car or could survive without a vehicle for a couple of days, paying for a totally free courtesy car is most likely a waste of money.
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