• Buy a low-risk automobile
• Be a good driver
• Reduce your amount of coverage
• Get the low mileage discount
• Get the mature driver discount
• Get the low-risk occupation discount
• Compare insurance costs at other companies
Buy a low-risk automobile
If you are in the market for another car, you can significantly lower your insurance premium by choosing a car that has a good safety record. Look for cars that have been given awards for safety or have a high Government safety score. Also, if your model is unpopular with thieves, you will pay a lower premium. Additionally, you can lower your rate by buying a car with automatic safety belts and anti-lock brakes.
Be a good driver
Drive with caution because the more tickets or accidents you have, the more you will pay in premiums.
Reduce the amount of coverage
By changing your coverage and assuming a little more of the responsibility yourself, you can reduce premiums. Research your coverage and you may find that having a higher deductible may be well counterbalanced by the resulting lower premiums.
Get the low mileage discount
If you can drive your car less, it may pay off in lower premiums. Is it worth paying a higher premium in order to make all those spur of the moment trips? Plan ahead and you may save money.
Get the mature driver discount
If you are over 50, many companies provide a mature driver discount that may not be automatically included in your policy. Check with your insurance company to have it included in your policy.
Get the low-risk occupation discount
Doctors, engineers and teachers tend to get lower rates because these occupations are considered to be low risk. You may also benefit if your job never requires you to drive at night or drive in high-risk areas.
Compare insurance costs at other companies
Do not be afraid to switch to another company if they can significantly save you money. However, diligently research the performance of any unknown company before making a change.
To find out how your car insurance premium stacks up, visit comparethemarket.com where you can get insurance quotes from some of the UK's top insurance companies. Our insurance partners can help you with automotive insurance as well as home, life, travel and pet insurance. It is quick and easy and all you need is an email address to get your quotes from the convenience of your own home.
