Moneygate

Top Tips For Getting Cheap Car Insurance

Drivers are being urged to shop around and follow a few top tips to help drive down the cost of their car insurance.

With a lot of competition in the insurance market and independent financial advisers able to hunt around for the cheapest insurance deal, consumers can choose from a selection of competitive policies on offer.

Annabel Green, of national IFA Moneygate, also said that there are a few things motorists can do to drive the cost of their policy down even further.These include:

Fit an alarm – An approved alarm and or immobiliser should help to lower car insurance costs.

·     Change your excess – With voluntary excess, the more you are willing to cover yourself in the event of an accident the lower your premium.

·     Check your mileage – Make sure you’re not paying extra for miles you are not covering in your car. Try to work out how many miles you will genuinely cover - but don't get it wrong as inaccuracy could jeopardise your claim.

·     Minimise optional extras – Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium. The less your motor insurance company has to provide in the event of an accident, the lower your costs.

·     Be careful where you park – Keep your car parked in a locked garage overnight if you can - this can help reduce the premium. More than 50% of vehicle thefts occur during the night so if your car is safely locked away it makes sense that your insurance costs will be reduced as a consequence. If you don't have access to a garage, then parking on a driveway is generally considered a lower risk than parking on the road, as it’s less likely that vandalism, theft or accidental damage will occur when you're off the highway.

      Pass Plus – If you're a new driver looking to get your first car and car insurance, you could take a Pass Plus in order to reduce your premiums. The Pass Plus certificate can only be obtained within the first year of passing your practical driving test.

Annabel Green said: “There are quite a few things that motorists can do to lower the cost of their car insurance premiums and help them to get cheaper car insurance.”

   For more information go to www.moneygate.co.uk