Hints And Tips For Finding Cheaper Car Insurance

Car insurance policies can be complicated things to look at when you are trying to pick between them. There are literally hundreds of factors affecting the risk assessment that heavily influences the final price of your premium. There are some important factors that you can take control over, and in so doing find yourself cheaper car insurance.

It is often best to be a new customer when it comes time to select a policy. Many companies use introductory offers to attract new customers, so if you want to renew with your existing supplier, it is worth approaching them as a new customer.

Consider the excess on the car insurance policy. The lower the excess, the higher your premium will be. It does not always make sense to opt for the lowest possible excess, as in some cases making a claim for low cost damages as opposed to fixing minor damage yourself is not the best way ? the loss of a no claims bonus and subsequent price hike in your premium sometimes outweighs the cost of fixing minor damage yourself.

Those with fully comprehensive insurance are often provided with third party cover to drive other people''s cars. Driving another person''s car will of course reduce the mileage on your car, and therefore reduce the cost of your annual insurance policy ? if you are in the lucky position of being able to occasionally drive someone else''s car, it makes sense.

If you are purchasing a new car, have a good shop around. Many car dealers offer free insurance for the first year or two when you buy a new car. This can result in a significant saving, especially for younger drivers.

Shopping around is generally a good policy. Women should not limit themselves to looking at only the policies offered by women only insurance companies. Although these companies are set up to offer insurance to the lower risk group of women drivers, these companies will not always automatically provide the cheapest insurance policy possible in a highly competitive market.

New drivers who have just passed their test should take the Pass Plus Test, as having this qualification will significantly reduce the cost of car insurance.

Spend as much time as you can shopping around, don''t just focus on the main insurance comparison sites ? make sure that you go to some of the smaller comparison sites like Kwik Fit Insurance to make sure that you are not missing out on potential bargains.

Price comparison websites are a good place to compare the offers of many of the big car insurance providers, but be aware that each of these comparison sites do not feature every insurance provider out there ? make sure that you go to some of the smaller comparison sites like Kwik Fit Insurance to make sure that you are not missing out on potential bargains.

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