12 tips to find a cheap car insurance
Are you looking for a cheap car insurance? These tips will help you on your way to save on your car insurance. These savings can amount to some tens to several hundred dollars per year.
1. First determine the best coverage for your car
Major savings can be realized by choosing a car that fits the age of your car. You can choose from an all-risk, WA or limited hull insurance.
An all-risk insurance is the most comprehensive and most expensive car insurance and is recommended for new cars until about 5 years old. This can assure you almost all the damage to your car, such as collisions through their own fault. For cars older than 8 or 10 years with a low residual value is a third-party insurance is recommended. This can assure you only damage you inflict on others and this is the cheapest variant. Between these two variants is a car with limited airframe. This example also assure you storm and window damage to your car.
2. Increase the deductible
Several auto insurers have a flexible deductible, which you yourself can determine the height. The excess of a standard car insurance is often 135 euros. For a lower deductible, you pay more, but you increase this amount to 500 euro for example then this provides a substantial discount on the premium.
3. Take advantage of "low mileage" discounts
Keep track of how many miles you drive per year and vote there on your car insurance down. Fewer miles per year means many providers namely a lower premium. Self example I drive 12,000 kilometers per year less, but I was assured to 20,000. This saves after adjustment still 99 euros per year.
4. Consider the car when moving
In town, you pay for your car insurance substantially more than in a rural village. Perhaps not really a reason to move to blow off, but you can up to several hundred dollars per year savings, especially if two cars.
5. Buy a low profile car
Cars that are expensive to repair or stolen are often more expensive to insure. View So before you buy a car first what it takes to ensure this. An Opel Astra is a lot cheaper to insure than a BMW sports car or glitzy.
6. Buy multiple insurance from a provider
Many insurers give discounts if you package multiple insurance policies with them shut. This discount can rise to about 5 to 10%.
7. Buy a car online
Direct writers do business directly with consumers via Internet, telephone and mail and do not use middlemen. Their cost structure is therefore lower and therefore the direct writers often come from very cheap price comparisons.
8. Reduce comprehensive coverage on old cars
If a car is harmed in an accident, you will receive the actual current value of the car. Sometimes plus 10%. For older cars, the financial terms do not always make sense to maintain a comprehensive coverage. But lower the coverage only if you are comfortable with and can bear the damage himself. Maintain your else all-risk hull insurance or limited.
9. Protect your car
When your car is well protected with for example an alarm and immobilizer that can deliver discount on the premium.
10. Buy a hybrid car
A hybrid car is good for the environment and your wallet. You get all the tax rebate and several car insurance providers offer a 10% discount on a hybrid car.
11. Make all the cars on one policy
All cars in the family on an insurance policy often provides attractive discounts. So often has the highest no claim discount for the second car often.
12. Pay small claims yourself
You buy a car insurance to cover losses, but the self paying a small claim is often cheaper than an increase in car insurance premium. See the bonus malus ladder from your insurer to determine whether it is worth paying a little damage itself.
