How can motorists beat their car insurance renewal premium? There are a few suggestions listed below that could get you a cheaper motor insurance quote and lower your annual premium.
Before you go out and start obtaining quotes from leading insurers you’ll need to decide what features you want and which features you don’t want. Do you require a courtesy car? You pay have to pay extra with insurers for this feature, but some providers do offer this as standard on the basic policy. Do you require legal protection? Again this is an extra feature that provides protection for legal expensive if you are involved in a car accident. Do you require breakdown cover? This is another extra cost, but is roadside breakdown assistance essential for you. It could save you over a hundred pounds in towing fees from a garage if you breakdown and are not covered. Do you require driving coverage when driving abroad? Many insurers also offer this as an added feature or sometimes free feature, but unless you travel abroad it is not much use. Also, how much you want to contribute on excess, the more you contribute the less your premium will be.
Reducing the number of miles that you clock up in a year can depend whether you get a low cost policy or not. Insurers calculate the cost based on mileage and if you clock up less than 12,000 miles you’ll probably get a saving. But don’t lie and put a lot less than you actually do, because if they find out you could loose everything and they’ll not honour your claim.
Making your vehicle secure is another great suggestion that could get you savings. By fitting an immobiliser, alarm or tracking devise to your vehicle make it less prone to it being broken in to or stolen. You could contact the insurer or look on their website to see which method of security provides the biggest discount.
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