| urance is one of the most expensive costs involved in | | | | life of your policy, so that even if you had to make a |
| driving a car, and it's not something you can avoid - a | | | | claim, you would still be able to maintain your no claims |
| minimum level of insurance is required by law. | | | | discount level. |
| However, don't be fooled into thinking you just have to | | | | What about deductibles? The deductible on a policy is |
| accept the quote your insurer gives you, as there are | | | | the amount of a claim you have to pay before the |
| plenty of ways to significantly reduce your car | | | | insurer pays the rest. Choosing to have a higher than |
| insurance costs. | | | | standard deductible level will usually mean lower |
| Shop around and buy online. Figures show that many | | | | premiums. How secure is your vehicle is the next |
| people simply renew their current policies without | | | | question to ask yourself. By fitting a proper alarm and |
| shopping around. The wonderful world of the internet | | | | immobiliser it can also reduce your premium. Parking |
| allows you to easily compare insurance costs of | | | | you car off-road, for example on a driveway or in a |
| various insurers, so get looking today. On top of that, | | | | garage, will also mean a cheaper policy. |
| most insurance companies usually offer a minimum ten | | | | Annual payments are the way to go. Many insurers |
| percent discount for buying online. | | | | charge you interest for the privilege of paying in |
| Look at what policy suits your particular situation. For | | | | monthly installments. Pay annually if you can afford it to |
| example, if you go for third party, fire & theft, you can | | | | avoid this, or look for one of the companies who don't |
| significantly reduce your monthly premiums compared | | | | charge extra for monthly payment. Also, the more |
| to a comprehensive policy. Then, there's the no claims | | | | mileage you run up every year, the more your |
| discounts: Nearly all policies feature a discount that | | | | insurance will cost. Even if you can't reduce your |
| increases for every year you don't make a claim. The | | | | mileage, make sure you're not overestimating how |
| more years you have not made a claim the better. It's | | | | much you actually do drive, and give your insurer an |
| also possible to protect your no claims discount for the | | | | accurate figure. |