Car insurance is a necessity if you want to drive on the road. Not only that, but it protects you and your pocket if you were to get into an accident. You may think that you’ll never need it because you’re a cautious driver, but accidents happen all the time. You could be hit by a driver distracted by their phones or you may just crash into another vehicle after your car slipped on black ice. Car insurance is a must-have for many reasons. The only downside is how much it costs to get your vehicle insured. Here are some tips for getting insurance as cheap as possible.
Give Your Correct Job
Did you know that builders pay more for their car insurance than bricklayers? Being specific about the job that you do could save you hundreds on your car insurance. You’ll probably have noticed it can take some time to figure out how to put your career into a car insurance comparison site. They often have many categories in their drop boxes and people often settle for the category that best describes their job, rather than entering specifics. There’s even a difference between how much a ‘music teacher’ is quoted and how much a ‘teacher’ is quoted.
Don’t Go It Alone
If you’ve recently passed your test or haven’t got much experience of owning a car, it’s likely that your insurance premiums will be sky high. The more no-claims bonuses you have, the cheaper your car insurance will be. But, if you haven’t got many no-claims, use someone else’s. You can’t legally add someone else as the named driver on your policy but you can add a second driver. Adding a second driver who has more no-claims bonuses than you and a clean licence could significantly reduce the cost of your insurance, even if they rarely drive the car.
Don’t Do Last Minute Shopping
Did you know that if you shop for car insurance a few weeks before your renewal is due, you’re likely to save more money? It may not make much sense, but rushing to get your car insurance the day before it’s needed will mean that car insurance companies charge you more. Get things done in advance and save yourself a bit of money.
The average car driver is much happier for their current insurance company to increase their premiums than search for another insurer. When your renewal notice turns up in the post it’s worth taking some time to find out if you’ll get a better deal elsewhere. You may want to search for sites that can make sure your search for insurance is simplified. Car insurers can save up to £150 a year when they switch to a different insurer.
There are many simple things you can do to save money on your insurance, but they’re often things you wouldn’t think of doing. It’s worth getting a few different quotes and changing small details on each one to see exactly what effects the amount of money you pay.