Reduce Your Car Insurance

Ways to reduce your Car Insurance

Interested in finding cheaper car insurance? At Express Insurance we want you to find the best insurance for you, and at the right price. The way insurance policies are priced is dependent on a number of factors, some of which are possible to change, depending on your flexibility.

Each car has an insurance grouping, this the way of categorising the cars qualities and putting them into different risk groups. When you are buying a car, you should take this into account. But once you have your car, there are other factors that we look at when arriving at a quote. We do look at your postcode, and though it's not possible to change your address, it may well be possible to park your car in a garage, or off the road. Also fitting anti theft devices, like an immobilizer, or alarm, should lower your quote. Be aware that if you car has been modified in any way, that will increase your premium, so factor that into the choices that you make

Another way to get a cheaper quote is to look at the type of policy you need, and make sure that it fits your needs. If you have an older car, it may well be worth considering if you need a fully comprehensive cover or whether you want choose a third party type of cover, which is a cheaper alternative, but offers less cover. It would insurance any third party, but not your car in an accident.

Another way is to look at the excess that you are willing to pay if you do have an accident, the higher the excess the lower the quote. Also make sure that your policy covers you for the right amount of miles that you drive each year. If you don't drive that much, you can alter that in your quote. Of course, it goes without saying that you must always be honest about your needs, otherwise you may find that you are not covered.

Looking at the other named drivers that you need on your policy will lessen the amount that you pay. As with your details, any named drivers are checked and dependent on their sex, age, occupation and previous driving history they may cost you more on your policy.

Your No Claims Bonus affects the price of your policy, so the longer to have insurance without claiming the more your bonus builts up. If you have a few years built up on your "no Claims Bonus" it will be worth considering whether you want to pay for protecting your bonus, which does cost extra, which should be worth the investment.

Once you have done all these to get cheaper car insurance, you can also spread the cost of your car insurance over the year, which can make it more manageable to pay. And the best advice for keeping your car insurance cheap is to drive carefully, making sure that you don't have accidents or get points on your license.

At Express we search the policies of over 30 insurers to find a policy that suits you, and is the right price. So look no further for cheaper car insurance.

Article Source: http://www.expressinsurance.co.uk