There are no two ways about it – motoring and keeping the car on the road is an increasingly expensive business. Petrol prices continue to scare us despite a drop in the global price of oil, and other running costs similarly seem to go up every year.
A major cost for all of us is car insurance. Over the past 12 months, the average premium has risen by 8% to £462, and for the younger drivers, it can be several times more at least. However, all is not gloom and doom, there are plenty of ways to reduce your premium if you know how.
How To Get Cheaper Car Insurance
Increase your excess. This will immediately reduce the premium significantly, but it will, of course, mean you must pay out more if you make a claim.
Check Competitors And Shop Around. Use a comparison site online – there’s plenty of them! In fact, use several, as many have special deals with different providers. You will be amazed at the difference it will make. Recommendations from friends and family can also help you find the best deals. And don’t forget multi car deals.
Pay Premiums Upfront. Most insurers offer a better deal if you pay in full instead of spreading the cost over multiple months.
Buy What You Need Only. Insurers love to add things like legal cover and roadside assistance to their policies and then charge a fortune for them. Do you really need these? If so, you can probably get them cheaper elsewhere, so uncheck the boxes and shop around.
Be Aware Of Your Renewal Date. Do not leave it until the day or day before your policy expires. Most insurers will give you 28 days to take up the quote, so take your time getting everything in place.
Get Married. Did we suggest that! Apparently, married people are more stable than singles and present a better risk. What better reason to find the person of your dreams and make a lifetime commitment?
Add Your Parents. If you are a young driver living with your parents, you might find having one of them on the policy reduces the premium. However, bear in mind that they need to live at the same address as you.
Park Your Car Safely. Most cars theft and damage take place at night, so if you tuck away your car in a garage, or at least on a private driveway, it will be a better insurance risk than if you leave it by the side of the road.
Invest In A Car Alarm. Fitting an alarm, immobiliser or tracker will make you a more attractive proposition for insurers, and they will reward you with a lower premium.
Downgrade The Car. The cheaper and less powerful your car, the less you will have to pay on insurance – it’s that simple.
Reduce Your Mileage. The fewer miles you do, the less likely you are to crash. That is the logic of the insurers, and it is hard to argue with it. Check out car sharing websites.
Reduce Your Insurance Cover. If you drive an old car that is only worth a few hundred pounds, there is very little point in comprehensive coverage, so consider third party only coverage instead.
Car Servicing Near Me
At AMS Tyres and Autoservices we do so much more than just tyres! We also offer a range of garage services to keep your car on the road including:
Air Conditioning Recharging And Servicing, Batteries, Brakes and Brake Checks, Cambelt Replacement, Car Tyres, Clutch Replacement and Exhausts. Nitrogen Inflation, MOT’s, Car Servicing, TPMS Sensor Valves, Tyre Repairs and Hunter Wheel Alignment.