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20 Tips To Cheaper Car Insurance.
Car insurance premiums rise year after year,Although your car insurance premium largely depends on your Car, Age and discount there are a few steps you can take to help stop the rise or even reduce your premium.
1. Buy from the internet.Most companies offer a discount for online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.Click here to get a instant online insurance quote
2. Shop around.All insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you.By shopping around you could find big savings on your insurance premium.
3. Buy extra products.Most insurance companies also do other insurance products ie"Building's and content's insurance".Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.
4. Pay your insurance premium in one go.By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments.Some insurance companies may charge as much as 15% APR on instalments.You may even receive a discount for paying in full.If you can not afford to pay in full check out what rate a small loan would be you may still save some money.Fill out a online loan application.
5. Increase your voluntary excess.Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.
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6. Lower your annual mileage.Lowering your annual mileage can reduce your premium,most insurance companies will quote you for around 12,000 miles a year.Try and work out how many mile's you will do if it's likely to be less you may get a discount.Be honest about this as your insurance company may ask to see old MOT'S and service history to verify your mileage in the event of a accident.
7. Have a Alarm,Immobiliser or Tracker fitted.Theft of and from your vehicle play a major role in the calculation of your insurance premium.Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.
8. Take the advanced driving test.Passing your advanced driving test will show your insurance company that you have extra skill when driving and are less likely to be involved in a accident.
9. Don't inflate the value of your car.Adding extra value to your car when you apply for your insurance quote will do nothing for you apart from increase you premium.In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.
10.Look after your credit rating.Insurance companies are now looking at your credit score as part of the calculation for your insurance premium.Maintaining a good credit rating could avoid unnecessary additions to your premium.
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