How to reduce your car insurance premium | AA Insurance
however, there are things that you can do which could help reduce the cost of your current car indemnity premium .
Check the policy benefits – not just the price
Does the policy give you benefits that could come in handy ? useful benefits could include :
- A courtesy car while yours is being repaired.
- Cover while driving in Europe.
- Help with the recovery of uninsured losses (which could include your out-of-pocket expenses after an accident).
once you ‘ve considered the policy benefits, always check the compulsory excesses before accepting a quote .
Think about your driving
If you want to reduce your next car policy premium, then the way you drive can help .
Stay within the travel rapidly limit – a travel rapidly ticket is probably to increase your agio. And if you reduce the annual mileage on your vehicle, possibly by cutting back on travel or using early forms of transport, you ‘re probably to cut your agio deoxyadenosine monophosphate well .
A secure car can reduce insurance costs
If potential, do n’t park your car on the street at night. Keeping it on a force is preferable, but use the garage if you have one, and lock it at night – the extra security could bring a discount on your premium.
Read more: Most Expensive Cars to Insure
You can improve the security system of your fomite tied more. policy companies can tell you which tracking devices and immobilisers are likely to reduce your premium .
Tips for young drivers
If you ‘re a young or newly qualified driver, it ‘s worth considering the Driving Standards Agency Pass Plus course. It helps you improve your driving have in key areas like driving at night and on motorways, and could get you a dismiss on your cable car policy .
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Tips for older drivers
Are you a rear with adolescent children who are learning to drive ? If you get your son or daughter insured as an extra driver of your car and they have an accident, your no claims discount will be affected. So it ‘s worth encouraging them to buy their own car and see it themselves. This will help them gain their own no claims dismiss and cheaper car policy in the long melt .
And when you do retire and end the casual commute, remember to tell your insurance company about the reduction in your annual mileage – it could reduce your premium .
Consider voluntary excess for cover
ultimately, consider how much you ‘d be prepared to pay out if you have to make a claim. If you can afford to pay another £100 or £200 as a voluntary excess, your annual agio costs may come down .
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