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Want to reduce your insurance premiums - follow these tips.  

None of us wants to pay over the odds for Insurance; we all want the lowest price, but price isn't everything. You must think about other factors such as the quality and level of customer service offered. You need a helpful, pleasant and professional company, particularly if you are involved in a claim. Remember this and follow these tips to get the best deal.

  • You must shop around. Different companies specialise in different customers, so try to find the one that matches you. Examples would be companies specialising in women drivers, the over 50's or young drivers.
  • If you can use the internet to find a quote, and then buy online, this will usually save you money as online companies have lower overheads. This is the best way to get low cost insurance
  • Make sure that your vehicle has insurance industry approved anti-theft devices. The fitting of approved alarms and immobilisers will usually reduce your premiums
  • If you have more than 1 car in the family, then insure all your vehicles with the same company. This may entitle you to a discount for multiple vehicles
  • Check out if you can save money by putting all your other insurances such as home, contents and personal injury with the same company. This may well save you money on all of them
  • Before you buy, check the insurance group of the vehicle. Premiums often vary on very similar vehicles. There are 20 Insurance Groups, from the cheapest Group 1 to the dearest Group 20. The best vehicle for low cost insurance purposes is a standard model, reliable, low profile model.
  • Check the insurance group of any new car you are considering purchasing. Premiums can vary greatly on seemingly similar vehicles. Groups run from 1 to 20 with group 1 vehicles being the cheapest to insure. A reliable, low profile vehicle is the best type to have if you want low cost car insurance UK .
  • How valuable is the vehicle. If you can afford to replace it, then you may not need comprehensive cover. Usually if your vehicle is a write off, you will only get the current market value, which may be mush less than you paid, often less than a thousand pounds. Carefully compare this with what you could save by buying non comprehensive insurance
  • Choose the highest excess you can afford, this will reduce your premium
  • Do you have a vehicle specifically for the younger drivers in your household? Then make sure it is a less valuable, low insurance group, older vehicle.
  • Higher premiums are often imposed by Insurance Companies if you drive a non standard vehicle, one that has been modified. Always check with your insurance company before you make any alterations to your vehicle, or you may get a shock.
  • Try to keep your no claims discount. If you lose this your premiums will rocket. Before you make a claim, carefully think about how this will affect your insurance costs, over the next 4 to 5 years. You will be surprised. It often isn't worth claiming for minor scratches and dents.
  • If you can keep your car in a locked garage, this will reduce your premiums considerably
  • If you are over 50, ask about premiums for the older driver. Often companies will reward the experience you have gained over your years of driving
  • Buying an imported vehicle may appear attractive and a bargain, but watch out for an increased insurance premium as specific parts and repairs can be more costly
  • How many miles do you do every year? You could get a reduction on your premiums by declaring a low annual mileage
  • Check out a broker or company which provides quotes from a number of companies, by shopping round for you, they may get you a great deal
  • Are you a student? Some companies specialise in this market, although the premiums are still usually very high

  
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