Many people assume that the big cost of driving a car is actually buying the car, but what shocks many people is the cost of insurance which can sometimes be more than the value of the vehicle. If you have recently passed your test, it is recommended to purchase a cheap car as it is your first so the insurance will be higher as you are more likely to crash.
Car insurance is a necessity for when you buy your car but you can make sure that you pay the minimum amount by following these points:
Do not modify your vehicle - Modifying your vehicle will add a significant cost to your policy, adding a spoiler or lowering the suspension could see your premium raised by up to 170%.
Protect your vehicle - Parking your vehicle on a drive or preferably in a garage will reduce your premiums; if possible you should look to fit an immobiliser.
Do not make a small claim - When you make a claim, usually it will wipe out two years of no claims bonuses; this could result in a loss of 70% in savings which you may have accumulated. You should never claim anything under £500.
Crash course - Taking a crash course may save you up to 30% off your policy.
Add a second named driver - By adding an experienced driver on your policy, you could save up to 15%, the named driver does not ever have to step foot in the vehicle.
Shop around - By comparing quotes from all the providers, you can save a small fortune every time you renew your policy by obtaining the cheapest quote.
Cheap car insurance is available if you compare car insurance quotes and follow all the above points, once considered you will obtain the best car insurance for you.
by Barry Loughran
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