Insurance is a cost that no driver can avoid and it is there for a reason. If you have an accident or your car breaks down you will have saved up the means to pay for it. There are ways, however, that you can get a lower premium on your car insurance by following some simple advice.
You will need to tell your insurance broker everything that has happened to car your in the past, and your driving history. Don’t leave any information out. If a policy gets cancelled because you’ve lied about never making a claim, this could leave you permanently blacklisted and it will cost a lot for you to get insurance in the future.
NO CLAIMS BONUS
If you are lucky enough to have never made a claim on your insurance you can use this to your advantage. Your no claims bonus will greatly reduce your premium.
If you have had accidents in the past it might be time for you to think about how you can be a safer driver. Always respect the speed limit, not only when you see a camera, and follow the traffic laws at all cost. If you have a collision with another car because you’ve run a red light then you’ll be the one paying out and paying more for your insurance in the future. Follow these ten simple tips on how to become a better driver and reduce accidents.
ADD RESPONSIBLE DRIVERS
Regular car maintenance will also protect you from paying out at a later date for repairs. Keep on top of checks and make sure everything is in order as your vehicle will need to be inspected before you set up your insurance premium. Be sure to make these particular checks before driving long distances for example before and after road trips, as these will take their toll on your vehicle.
It can be more difficult if you’re in a high-risk category, so below the age of twenty-five or above the age of seventy, to get a good deal on insurance. This may seem unfair but drivers of these ages are considered more risky, either because of inexperience or health reasons. Men also have to pay higher rates than women. Adding a responsible driver to your insurance, this means someone with few or zero claims and a good few years of driving experience, will improve your rates. Do not in any circumstances lie and say they are the main driver as this counts as a type of fraud known as “fronting” and will get you into trouble.
TWEAK YOUR JOB TITLE
Whereas it is imperative that you don’t lie about any personal information you can reword your job title to make it sound better without bending the truth. A “music teacher” will sound better than “teacher” on it’s own for example, or “illustrator” instead of “artist”.
Don’t leave it to the last minute and research companies for the most affordable auto insurance.