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Spend Less On Insurance With These Tricks

Car insurance is one of the biggest expenses of driving. Fortunately, there are many tricks that can reduce your rates. Here are just a few of those tricks to try out.

Shop around for quotes

It pays to get lots of – not only can you try to find the cheapest rate, but you may even be able to negotiate a price match. There are so many insurers out there all offering different rates and catering to different drivers and vehicles. Comparison sites can be useful, but sometimes it can be worthwhile looking beyond these sites at niche insurers where you may find even better deals.

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Up your deductible

Your deductible is the amount that you’re willing to pay out of your own pocket in the event of a claim. The higher your deductible, the lower your insurance rates will be. It’s worth keeping some money in a savings account which could be used to pay off this deductible if you ever do need to make a claim.

Install anti-theft devices

Anti-theft devices such as wheel locks and steering wheel locks can serve as deterrents to thieves. By making your vehicle less of a theft risk, you may find that your insurance rates are also reduced. There are all kinds of on the market to consider.

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Park off-road

Parking on the curb could increase your insurance rates as you’re more likely to be target by thieves or clipped by passing cars. If you have a driveway or garage, it’s worth noting this down when applying for insurance as it could lower your rates.

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Pay annually

It’s often cheaper to pay in annual instalments that to pay monthly instalments for a year. In fact, a single annual instalment often equals 11 months of monthly instalments – so it’s the equivalent of getting a month free. Paying these larger instalments could involve saving up money in an account – if you don’t have this discipline you may prefer to pay monthly.

Consider your professional title

Insurers often ask for your as this can sometimes impact how likely you are to make a claim. For example, the likes of builders and realtors are likely to use their car more often as part of their job. Working as a pub owner could also push up your insurance rates – being in an environment where there could be lots of drunken people could put up the threat of vandalism. How you word your profession can make an impact on your rates in some cases as certain keywords may trigger higher rates. Describing yourself as a ‘landlord’ rather than a ‘publican’ for example can often have this effect.

Take an advanced driving course

show that you’re a competent driver – they’re an excellent option for lowering your rates if you’re a young driver or a driver with bad history. These courses do cost money themselves, so consider whether the investment is worthwhile.

Consider a black box

Black box insurance involves having a monitor in your vehicle that records your driving habits. By proving that you can keep within the speed limit, you can prove yourself to be a safe driver and lower you insurance rates. These are similarly a good option for new drivers and those with bad driving history.

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