Do you know what can keep your car insurance premium down? All motorists want the cheapest car insurance quotes and they can if they follow the following steps below.
But how do motorists choose the right policy for them, and what steps do you need to learn in order to get the cheapest car insurance rates? The following tips below can show you the right and wrong way.
Being a careful driver means that you don’t have any points on your driving record and have not been involved in any accidents. Clean driving records will enhance your chance of getting a lower car insurance quotation. Motorists should never drive and drunk when in their vehicle. If you have been done for drinking and driving then you are going to struggle to get a cheap insurance quote. Some companies may not even want to insure you at all because you a considered a liability. Expect a really high premium if you have been done for drinking and driving. Even minor driving offences such as speeding can increase your premium to a higher rate. Don’t break the road traffic law, as it really can hurt you when it comes to getting insurance.
You should be a little more picky when it comes to which type of vehicle you drive. There are some cars that attract a higher premium than others, so when looking to buy a new car, you should obtain a quotation first before you buy it. Insurance premium depend on how much it would cost to replace your car if it was written off, so the cheaper you r car is too replace; the cheaper your premium should be in theory.
Always try to make an informed decision when getting a car insurance quote. Compare the level of cover you need and the excess. Downgrade your policy features where you can to make savings. Only add features such as protected no claims and legal cover. You can get breakdown cover direct from the provider at a cheaper rate.