Lower your car insurance


The following suggestions may make the cost of your car insurance as affordable as possible.
Take the Pass Plus driving exam

Pass Plus is an intensive yet practical training course, taking at least 6 hours, that is for drivers to develop their skills and drive more safely. It can be taken at any time although it is designed primarily for new drivers in the year after passing their test.
If you pass the pass plus and you could get a discount of up to 35% on your car insurance. The test costs around £150 but with the high cost of new drivers car insurance you will save more than this on your car insurance premium.
Pay higher excess

Car insurance companies insist on an initial, minimum amount that you have to contribute to any car insurance claim. This is called the ‘excess’ and the standard amount is normally £150. If you agree  to pay a higher amount, say £250, your insurance premiums will be cheaper.
Pay your premium in one go

t is normally cheaper to pay your car insurance in a single lump sum at the start of your policy rather than in monthly instalments. Many car insurance companies charge interest on monthly instalments of around 15% APR, and some will charge up to 30%.
Named drivers

Adding a named experienced driver to your car insurance, for example a parent, can save you 10% on your premium. Having younger named drivers on your policy, in turn, will cost you more.
Car security

Improving your car security can reduce your premiums. Approved car alarms, recognized by your car insurer, will give you a discount your premium if you have these fitted.
Don’t break the speed limit
A ‘clean’ driving license (no points) means cheaper insurance.

Park securely
Cars are less likely to be stolen from a garage or drive than if they are parked in the street. Insurance companies know this and will give you cheaper car insurance premiums because of it.
Buy your car insurance online
Buying online is cheaper. Insurance companies have less overheads to cover in e-commerce, so offer a discount when you buy online via their web site, or via a price comparison website.

Car insurance is for women is cheaper. This is because the average female driver is less likely to have an accident or get their car stolen than the average male driver.


Shop Around
According to the Association of British Insurers, we can save up to 35% on our car insurance simply by comparing a range of insurance companies against each other. Get as many insurance quotes as you can online or over the phone. Shopping around really does save you money.

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