5 steps to premiums of cheap car insurance

Car insurance is required, but it is not necessary any more than you have to pay. A few simple steps, combined with some time Surfing for car insurance rates competitive really can save serious money at renewal time.

Step 1-cut the risk and reduce costs
The easiest way to cut your car insurance premiums is to reduce the risk and accept a higher voluntary excess. Standard excess of an insurer may be 100, but if you meet the first 250 of any claim, you will see a reduction in your prize. This is because you're taking more risk, so that you get a discount. But it's a gamble, remember that you may have to assume the cost of a broken window after an attempted theft or a bill for the repair of damage of bodywork after a crisis of parking.

Step 2 – economy of means security
Mounting of safety devices can also result in car insurance premiums. All major insurers insist in Thatcham Rated safety equipment, usually a minimum of alarm. If you live in a high-risk area for the crime of car, it makes sense to fit an extra security. You save money when your insurance renewal is due and gives you extra peace of mind.

Step 3 – annual mileage, less means more in your Pocket
If the annual mileage, 5000 miles or less, ask insurers if they offer discounts for the agreed mileage restrictions.

Step 4-named Drivers Trick
Add a driver named for its policy can increase or reduce their premiums depending on the drivers named age, gender, and driving record. Add a youngster will increase your premiums, particularly those with a limited driving record or poor. However, add a driver for more than 30 years of age with a long and clean driving record can crop premiums, particularly if the driver named is female!

Step 5 – Shop Around and save even more
Saving more car insurance from shopping around. There may be great differences between quotations car insurance lowest and highest for exactly the same car and drivers. Start using good sites on-line quote compares, take your best offers and go straight to the insurance company cheaper car for quotations more specific.

So next time reaches its renewal quote, not just accept it and donate your money to the insurance company. Use the steps above and get the right cover at the right price.