6. Only pay for what you need
Don ’ metric ton choose a more expensive policy with unnecessary add-ons – go for one that has everything you need for a great price. Comparing policy should help you find the correct policy for the right monetary value .
7. See if it’s cheaper to buy add-ons as separate products
car policy add-ons can include :
8. Consider your cover type
If you have an older cable car that is n’t deserving very a lot, a third party, fire and larceny policy quite than comprehensive examination cover could save some money .
But third party-only policy might not offer the traverse level you want, and it isn ’ thyroxine constantly cheaper than comprehensive cover .
9. Park with care
If you have a garage or driveway, park your car there overnight .
Parking off the road overnight could lower the gamble of your car being vandalised or stolen, and insurers will deem you as less of a gamble to insure, potentially lowering your premiums .
10. Take care with extra drivers on your policy
Putting an extra driver on your policy can bring your premiums toss off, if they ’ re experienced .
always be honest about who the main driver is though, or you ’ ll invalidate your cover charge .
11. Think about what vehicle is best for you
Cars which have a small engine are more likely to be in a low indemnity group and tend to have lower premiums. For example, a 1.1 liter hatchback would be cheaper than an SUV with a large locomotive .
Road tax on a smaller engine vehicle should besides be cheaper .
Every insurance company will treat every sort of vehicle differently though. For case, some classical cars are identical low-cost to cover as insurers recognise the love that owners put into them and you may find a rebate through an owners ‘ club .
12. Avoid modifications
Modifications – whether they ‘re upgrades to styling, audio or performance – could mean a big raise in the price of your insurance .
Adding debase wheels, body kits and performance upgrades could make your cable car a distribute more attractive to thieves .
Modified cars besides tend to be more expensive to fix than ordinary cars due to the expensive parts .
13. Take a driving course
Although advance driving courses such as Pass Plus and IAM price money, they ’ ll make you a deduction on your insurance with some providers, particularly for young and inexperienced drivers .
Bear in beware that some insurers won ’ t take courses like these into explanation, and you should weigh up whether the savings on indemnity will outweigh the course cost .
14. Think about how you describe your job
If, for model, you do n’t commute, you may be able to find a bum policy by describing your policy as being ‘for social habit ’ .
The direction you describe your speculate can besides affect your premium. While a ‘chef ‘ might pay a different premium to a ‘cook ’, and a ‘ hairdresser ’ might pay a unlike price to a ‘ barber ’ .
But be honest or you risk invalidating your policy .
besides think about the level of business manipulation cover you need, if your vehicle is for commercial enterprise use, you must be honest or you ’ ll invalidate your cover .
15. Consider a telematics policy
Telematics car policy bases premiums on actual data about your force, which is recorded by either a black box fitted in the vehicle or a mobile telephone app .
As an add bonus the black corner acts as a tracker if your car gets stolen .
Telematics indemnity can make your car insurance cheaper, whatever your age, vitamin a long as you ’ re a careful driver .
16. Pay attention to administration charges
administration charges are one of the great hidden expenses on car indemnity .
If, for example, you change your car, your job or your address, some policies will allow you to make the change for release – but others could charge around £50 .
Take charges into account when you arrange your indemnity – paying £5 or £10 more for a policy with reasonable admin fees could save you much more in the retentive run .
17. Shop around for the right quote
You wo n’t be surprised to hear that our top tap for getting the car indemnity cover you need at the right price is to shop around.
It might seem like less fuss to barely let your policy auto-renew with the same supplier each year, but you could save up to £257 by comparing. [ 1 ]
It doesn ’ t have to take a retentive time to check whether you could get a cheaper deal – good compare car insurance quotes with us .
Shopping around individual insurance company websites, phoning them all up or using a high-street agent is time-consuming. Compare prices with us and you ’ ll have lots of quotes to choose from in minutes .