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How To Lower Your Car Insurance Risk

Car insurance may be something you are looking for if you have just passed your driving test, bought a new vehicle, or you are simply not happy with the policy you have at present. If the price of car insurance is causing you some concern, we have some top tips to help you find the best deal.

Simply looking for the cheapest car insurance companies you can find is not always the best option. If you do this, there is a very high chance that you are going to suffer at the hands of poor quality cover, and this will only end up costing you much more in the long run if something goes wrong and the insurance company does not pay out. Consequently, it is better to take steps to lower your insurance risk, which will, in turn, push the price of your auto insurance down.
One of the ways you can do this is by making your car more secure, as this will, of course, reduce the chance of theft. You should fit an immobiliser or approved alarm, and make sure you park in a driveway or garage if possible.

If you are yet to purchase a vehicle and are currently assessing your options, it is advisable to choose a make and model from a low insurance group, as this will help you to keep your premiums down. Insurance firms prefer popular models that are not as costly to repair. And, of course, drive safely!

Tips For Purchasing Car Insurance

Car insurance comparison websites are a must for anyone that is looking for the best auto insurance plan. With so many car insurance companies and policies available, it is virtually impossible to narrow down your search effectively without the use of a comparison website.

This is just one tip we have for you when looking for car insurance. Another tip is that you should pay for your cover annually if you can afford to. Most insurers like Cars Protection Plus will give you the option of paying for your cover in two ways – an annual lump sum or monthly payments. While monthly payments may be more manageable, you can often end up spending more, as insurers charge interest for choosing this option.

Another piece of advice is to avoid modifying your car. It may be tempting to upgrade your vehicle, but even a small modification can cause your premiums to rise. If you are planning to make any changes to your car, it is wise to discuss this with your insurer first so that you can be sure it won’t impact your premiums. Conversely, any modifications that are designed to improve the safety of your vehicle can save you money on your premiums, for example, the installation of an alarm.

Finally, make sure you set the excess right. You can reduce your monthly premiums by increasing your excess. But, if you set the bar too high, you will make claiming either too expensive or, quite simply, pointless.