As many of you can appreciate, particularly if you are reading this article, car insurance premiums are expensive. They continue to increase year on year, despite your driving record. So even if you never have an accident, you are likely to have discovered that your car insurance premiums have gone up again this year.
Given that wages have effectively stagnated in the UK, this added expenses something that most of us will want to reduce. In this article, we are going to give you some top tips to help you reduce the cost of your car insurance premiums. It is doable with the right information and knowledge.
Tip 1: Don’t Have Expensive Things on Show and Hide Everything
One very important tip to prevent people from accessing your vehicle is to hide anything insight. You will often hear people warning you to hide valuables, but thieves will smash windows for things as small as mobile phone chargers. Make sure everything is hidden.
Car stereos UK can look quite fancy, so make sure that you buy a cover that you can hide the stereo when you’re not in the car. Even small change, such as 20ps and 50ps are worth hiding.
By minimising the risk of your car being broken into, you will keep up a good track record with your insurer. This will help to ensure your premiums don’t rise too much. However, it doesn’t necessarily bring your premium down. For this, you need to use the following tips.
Tip 2: Make Sure That You Fit a Car Alarm and Immobiliser
Installing a high-end immobiliser, such as the Autowatch Ghost immobiliser will help to reduce your premiums. This act as deterrents to thieves and the insurance companies know this. They will reduce your premium because they know your car is safer. The same is true of high-end car alarms too.
They are well worth the investment because long term they will save you money (and hassle because your car is less likely to be stolen).
Tip 3: Take an Advanced Driving Course
It isn’t just the risk of theft that keeps insurance premiums high, there’s also the risk of you being involved in an accident. The safer the car insurance companies believe you’re driving to be, the cheaper they will make your premiums. Therefore, taking an advanced driving test that teaches you defensive driving can go a long way in reducing your premium.
Tip 4: Add a Tracker
A vehicle tracker allows you to find the vehicle is it is stolen. This makes it much more likely that you will be able to recover a stolen vehicle and therefore don’t lose the car. Again, the insurance companies like this because, in the event that your car is stolen, they know they can get it back much more easily than they could a non-tracked car.
We hope that you have found this article useful and that you now understand the various ways that you can help reduce your car insurance premiums. It is well worth investing in the tips outlined above.