Laura Keely , right, decided to have put a small black box under the dashboard of her Opel Corsa by Insurethebox . In 2011, she paid £ 1,800 for a comprehensive policy . A 44 per cent fall - Twelve months have their premiums decreased by only £ 1,000 .
Whether you are male or female, old or young, you fill ten steps to reduce premiums.
First Shop around for the best deals
Savings of several hundred euros can be found if you look around, if you renew your cover.
Be careful, though . When shopping around for car insurance , it is important to ensure that you are comparing like- for-like cover. Some measures may be cheaper , but you may find you do not have the same level of cover when you have to make a claim.
Use an online comparison service for all the hard work for you . Insert your data and check the prices that come up . You can use the excess that you are willing to pay , and drive the cars and get new offers are subject to change . Also check the insurers who do not offer the comparison sites, the two big ones are Direct Line and Aviva .
For the environmentally conscious , The Green Car Insurance Deal not only plant trees on your behalf , but throws 90 days free travel insurance and a 18 percent discount on your car cover in the matter .
Churchill offers a 24 -hour legal advice line , an uninsured driver promise and a five -year maintenance deal. Experienced might , safe drivers will also receive a 80 percent discount on the cover of eight years or more .
Temp car insurance might be a good choice if you're on the cover for a short time and are Privilege is a 10 percent discount on its multi- car cover. Provisional Marmalade structured a decent offer exclusively for young drivers.
Do not put all on your policy
Make sure that only regular drivers are named safe on the policy. You can always somebody for a few days to add, when they really need to drive the car.
3rd Protect that bonus -malus
A long no-claims bonus is the best way to protect from cutting car insurance costs so . This can increase the premium by a few pounds , but that pales into insignificance compared to the potential loss of a 90 % discount on a premium of several hundred pounds.
But the definition of a protected no-claims bonus can vary widely between insurers . Though accidents caused by another driver , usually no impact on such a bonus that could have caused by the insured . The key is to always check the policy carefully .
4th Have a higher surplus
Increase your deductible . Support for more on the cost of any accident repairs are charged to bring premiums down. If you are not at fault in an accident , the excess recovered.Beware will be tempted to make them rise too high , but especially if you have a lower value car.
5th Secure your car
Installation of an approved alarm , immobilizer or tracking device to gain a discount of around 5%. Many newer vehicles are using this as a standard feature , so make sure you check if you have them and then they explain.
Watch out for cars insurance case
If you decide to change your car , check to see if the model have a significant impact on the premium with your insurance company . Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favor. It will probably also save petrol too!
Remember what the garage is for
If your garage is full of junk , delete it and use it for your car. Insurers such as cars kept in garages overnight , and this can dramatically reduce your premium. In addition to the advantage of not having to scrape the ice in winter, there is an increased risk of theft by keeping the car on the road, so keep them in the garage are reflected in your premium.
Be a better driver and log on to a black box
Blackbox policy if the Insurer instals a system monitor in your car, your driving , reward those who drive carefully . Officially called telematics, check out these your speed , your use and how careful you drive, and whether you perceived to be dangerous on the way times are - so the early morning hours.
You can reduce premiums significantly if you start you prove a good driver . The greatest victory is for those whose premiums are high, especially young drivers.
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