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How to avoid car insurance premium increase?

How to avoid car insurance premium increase?

Posted On 28 Feb, 2018

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We tend to accept a car insurer’s premium renewal quote without taking a look around for cheaper ones. It takes only less than five minutes to compare premiums of multiple car insurance policies. You can then compare the quality of the policy to have an idea of the best price to negotiate with your existing insurer.

Here are some tips on how to avoid a car or used vehicle insurance premium increase:


1. Add an experienced driver to your policy but not too many
Adding a secondary driver is perfectly legal - and more than that, it can save you money. Get their permission and add an experienced driver with a clean driving license and decent no-claims history to your insurance. But don’t add too many. The more people covered by a policy, the more it’s likely to cost.

2. Don’t use your car for work
Insurance policies that cover only social, domestic and pleasure are generally the cheapest.

3. Keep your car in the garage
If your garage is full of junk, clear it out and use it for your car. Insurers like cars kept in garages overnight and this can dramatically cut your premium. Keeping your car in a garage or on a drive rather than out on the road can take between 5 and 10 percent off your premium.

4. Agree to a mileage cap
Reduced mileage equates to a greater saving. For example, a reduction in annual mileage of 5,000 miles could save a typical 35-year-old driver about £50 a year in premiums. A cut of 10,000 miles a year could save more than £100. But you must be honest about your annual mileage, as inaccuracy will jeopardise any claim.

5. Shop Around
Never simply accept the premium quote offered to you by your existing insurer. You will definitely pay more than you should. You can save as much as a third on your annual premium, simply by shopping around. So don’t just automatically accept your renewal quote each year. Do you research and then make your decision.

Shop for your insurance smartly with these tips, and save a hefty amount of your insurance premium today!

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