You should know about how to choose cheap car insurance before you buy a car. Here are easy tips to get cheap auto insurance.
Be careful when you choose a car
Expensive or cheap in car insurance quotes depending on your choice of vehicle. Every vehicle classified by the insurer into one of 50 car insurance groups according to a number of factors, including cost of repairs and engine size. A car in group 50 will be more expensive to insure than a car in group one because the insurance company is likely to pay out less in claims.
Think no claims discounts
Typically, lower premiums will be given by insurers to careful drivers. So, you will pay less for car insurance although you don’t make a claim. Some insurance companies knocking up to 75% off the annual cost of cover after five consecutive claim free years so a no claims discount or bonus can be extremely valuable.
In order to protect a hefty discount, might be worth paying the cost of any minor incidents yourself, for example repairs to the windscreen as do not usually affect your no claims record.
To protect your no claims discount, you can also a little bit additional pay so allowing you to make a certain number of claims within the policy term. If you have built up a big bonus, the extra cost might be worth paying.
The size of the discount can vary and you does not tied in one company so you can’t carry your no claims record from one insurer to another. Not any additional named drivers so you should also bear in mind that the main driver on the policy accumulates the discount. But, as long as they then buy their main policy from the same firm, some insurers allow an additional driver to build up a bonus.
Cutting the fee of cover
To cut the cost of car insurance, there are plenty of simple ways. For example, to ensure you are getting the best deals available, you can shop around for get a cheapest place for car insurance at renewal. Cheap insurance online is a quick and easy way to get cheapest car insurance companies.
If your car kept in a locked garage overnight, you will pay less to insure your vehicle so you should also think about the security of your car. If you take an advanced driving course and if you fit an approved alarm or immobiliser, you can also earn a discount on your motor insurance premiums.
Currently, more people are also switching to the insurer fits a tracking device, a so-called black box insurance policy. Black box for the car records where, when and how you drive so the insurance premium can better match your motoring habits. For example, people who night time driving and avoid rush hour as well as who drive fewer miles, tend to pay less for cover.
You should check your policy details carefully if you are planning to take your car to the Continent because in the relevant country many insurers automatically downgrade cover to the legal minimum required. So, even though you have a comprehensive policy in this country, you might only get third party if you take the car to Spain.
But, even though only a certain number of days a year if you take the car abroad, some insurers agree to match your UK cover. Buy appropriate additional protection if necessary and understand the level of cover before you set off are one of the most important for you.
European breakdown cover
If you are located outside of the country you might struggle with the language and the paperwork and it’s bad enough if you break down in this country, so don’t forget European car breakdown cover.
Especially if causes a long delay to your journey, the costs of a breakdown on the Continent can also be eye-wateringly expensive. During 24 hours, a European breakdown cover policy can provide assistance – and also peace of your mind.
How to make insurance claim
Your motor insurance company should offer some guidance because at some point you will almost certainly make a claim on your car insurance particularly if you have been involved in an accident or your car has been stolen so the claims process can be stressful.
While the incident is fresh in your mind, it’s important to contact the insurer as soon as possible. Including any photos, you should also try to gather as much evidence as possible. You will directed to one you can download off your computer or will be sent a claim form in the post which you should fill out as requested. The insurer should then pay up promptly if the claim is valid.
Read also: Best Car Insurance Advice on 2019