Driving Skills will Reduce Car Insurance Cost in the UK Car ...

Virtually every motorist is feeling the pinch at the moment for a number of different reasons, meaning it?s more important than ever before to save money wherever possible on expensive items such as car insurance. With that in mind, here are a few ways to lower your insurance premiums.

Be proactive at renewal time

A staggering seven million UK drivers automatically renew with their existing insurance provider when renewal time arrives. Why? Well, probably due to the convenience factor, but showing loyalty to an insurer doesn?t guarantee you get the discounts you?d expect to be entitled to. In fact, you?ll probably be paying more than if you decided to switch insurer. Make sure, then, you scour the net. Put a bit of time aside to use comparison websites and other online tools to get a fair deal. Spending less than 30 minutes on the search for cheap insurance could save you hundreds of pounds.

Be creative with your policy

A bit of creativity when you?re gathering quotes can save you some additional money. For example, changing your voluntary excess and paying more should reduce the price of car insurance slightly. However, just be wary of increasing it too much as you run the risk of being unable to afford to pay it in the event of needing to make a claim. Be shrewd here. How you pay for cover also has an impact on price as paying annually tends to work out cheaper than paying on a monthly basis. Granted, paying annually involves forking out one lump sum and some people may not have access to this, but with a little forward thinking you could easily put enough money aside each month so that you can afford to pay annually when renewal time arrives. Adding an additional, more experienced driver to a policy will also bring down the price.

Be more security conscious

Fitting an alarm or immobiliser to your vehicle and improving its security is another way to bring down the price of car insurance and deterring any unwanted attention that your pride and joy may get when you leave it unattended somewhere. It?s also beneficial, of course, to be a better motorist and drive more responsibly to reduce the chances of being involved in an accident and therefore hiking up insurance. Improving your driving skills by taking courses such as Pass Plus scheme will also reduce the cost of insurance.

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Source: http://www.car-insures.com/2012/03/driving-skills-will-reduce-car.html

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