Top tips for getting a cheaper car insurance quote – A Confused.com guide
Here are our top ten tips for reducing your car insurance premium.
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Video shot, edited and produced by James Cuff.
Our top tips:
Your choice of car
Your car’s value, type and engine size all make a difference to your insurance premium. The general rule is, the smaller the car, the lower the premium. If you haven’t bought a car yet, check quotes for the vehicles you’re considering.
Fit a security device
A car fitted with a security device like an alarm, immobiliser or tracker means it’s less likely to be broken into or stolen. And, in turn, insurance companies are more likely to offer you a cheaper quote.
Type of cover
Many drivers looking for cheaper car insurance instinctively opt for third party, fire and theft. But, with many higher risk drivers looking for cheaper cover, the average price of these policies is being pushed up.
Don’t simply assume a third party policy will be cheaper – make sure you check comprehensive cover as well to see the difference in price.
Some insurers price high
Don’t just choose the same insurer as your partner, family member or friend, as there’s no one-size-fits-all when it comes to cover.
The price of your premium depends on a number of factors including your age and driving history.
And with each insurer using its own statistical data to set prices, the price you’ll pay will vary from company to company.
Increase your voluntary excess
The excess is the first part of a claim that is paid by you. Increasing the amount you’ll pay in voluntary excess can lower your premiums.
If you’re an inexperienced driver, adding an experienced driver, like a parent, to your policy could bring down the cost. However, if you lie to your insurer about who the main driver is, it could invalidate your policy.
Check your mileage
The number of miles you drive each year could have a big impact on your premiums. If you are unsure of the number of miles you drive each year, you can get an estimate by comparing the mileage on your last two years’ MOT certificates or use an online mileage calculator to stop you from over insuring.
Keep your driving licence clean
Having points on your licence will likely increase the cost of your cover so make sure you drive responsibly and keep your licence clean.
Telematics or black box insurance
Instead of paying for insurance based on the average driver, telematics insurance is based on when and how you drive. You can’t say fairer than that! If you’re frustrated at having to pay a high car insurance premium, having a black box fitted could be the answer to your problems.
With so much competition in the market, you’re more likely to be able to find an affordable quote if you shop around. By using an online price-comparison site like Confused.com, you can quickly find a list of the cheapest car insurance quotes tailored for you.
Final Expense Coverage To Help Prepare For The Future
There is nothing worse than worrying about how your loved ones will pay for your final expenses once you pass. This is why so many people are contemplating final expense coverage. While it is always difficult to think about the person that you love leaving you, it is always going to be comforting to know that there is a cushion in place to help you pay for burial expenses, excess bills and much more. Even though this can often be a sensitive subject, it is definitely one worth discussing with your loved ones.
When you stop to look at the facts, the costs of final expenses can be incredibly hard to take if there is no sort of coverage in place. Your surviving family members and loved ones will be left to try and pick up the pieces while still in mourning to make sure that they are able to lay you to rest respectfully. If you happened to have any medical bills that you incurred at the end, there will also be these additional costs that you will certainly not want then to have to worry about.
Final Expense Life Insurance Options
Taking the time to look over your options in purchasing final expense coverage will help you to get a good idea of what you can afford to make sure that everything is taken care of once you pass. You can even enlist the help of Burialinsuranceplans.org who are specialists in final expense insurance and will be able to go over all of your options with you and explain to you all of the different plans that you have to choose from. Once you have a plan that you are considering, you can discuss it with your loved ones and make a final decision on the right funeral coverage.
No matter what, you will find that this coverage is well worth the investment by simply knowing that your loved ones will be cared for once you are gone.