Your no claims discount. The longer your no claims discount, the more car insurance companies value you as a low risk motorist and this will help to reduce the cost of your car insurance premium. Today, most motor insurers will ask for written proof in the form of a hard copy of your most recent motor insurance certificate that will state the number of years no claims you have.
Where do you store your vehicle? You can help reduce your motor insurance quotation by keeping your car overnight in a more secure place when you’re at home. A locked garage is always the best solution but a driveway or allocated parking spot is much better than just parking it on the road.
Multiple car policy discounts. Many of today’s car insurance companies will offer a number of other insurance products and many of us have a need for at least home insurance and travel insurance. Pet insurance, breakdown recovery assistance and life cover may also be obtainable for an extra discount. So when you’re shopping online make sure you take a look at who offers multi policy discounts.
Occupation. Car insurers now consider some line of work as higher risk than others so be sure you are satisfied that the insurance company has categorised your job right. Many motor insurance companies today do specialise in discounted quotes for full time students and retired people.
Voluntary excess. Some motor insurance providers will allow you to pick a higher excess in case of a claim that can help reduce the cost of your overall car insurance quotation. It’s very important to weigh up which option all depending on your personal circumstance which one you want to choose.
Car security. You will need to find out which security features your vehicle has been fitted as standard or which has been fitted by a previous owner. All car manufactured approved alarms, immobilisers and tracking systems will all help reduce the cost of your motor insurance quote.
This selection of car insurance tips I share with you are several ways you can potentially reduce your motor insurance premium only when you purchase online. You must consider the entire list above carefully for a lower car insurance premium.
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