1Cover Car Insurance

How To Save Money On Car Insurance - 6 Top Tips

Car insurance, like all insurance, is one of those irksome ‘must dos’. You don’t dare risk going without, but neither do you want to pay more than you need to on a maybe.

Naturally, long-time drivers with good records can expect to receive lower premiums, but there are ways everyone can save on their motor vehicle insurance if you take your time and do a bit of investigating.

1. When choosing your car, stop and think beyond performance and style. Check into how expensive that car would be to repair. Is it a sporty little model or a mainstream vehicle? These aspects can make a considerable difference to your premium.


2. It is so quick and easy now to obtain an online car insurance quote. Check out a few companies – always keeping in mind how comprehensive the questions are – to compare. There is no obligation and after you have checked around you can simply return and purchase your policy.


3. When comparing companies establish how they structure their payments. Though you can usually choose whether you want to pay by the month or by a yearly lump sum, there are still some companies who will charge you more for paying monthly*.


4. Choose who can and who cannot drive your car. By choosing a nominated driver plan you can save further. Though this can apply not so much on an individual basis but rather by choosing the minimum age of the driver, you also need to be careful anyone driving your vehicle has a current licence.


5. Securing your vehicle in a locked up garage and adding safety features can contribute further to your savings.


6. By agreeing to a higher excess you can save further on the overall premium, but do investigate this option carefully.

And the best strategy of all to save money on car insurance is to drive safely. True, accidents are not always the driver’s fault, but staying alert goes a long way toward avoiding trouble. And the rewards are there with some fairly hefty savings through ‘no claim’ bonuses. So stop and consider these few aspects and you’ll save hundreds.