Save Money On Your Car Insurance Premium

It can be difficult to avoid spending a lot on your car insurance, particularly if you’re considered to be in a higher risk category due to age or inexperience. Fortunately, there are a few things you can think about which will help you to get a better deal. 

Going Used
New cars suffer immediate depreciation. This means that as soon as you drive them out of the dealership they suddenly drop in value and after three years will have decreased up to 60% in value. Used vehicles don’t go through this dramatic depreciation, because they already would have in the original sale. Obviously they’ll go through a slow reduction in value over the years, but you won’t have to pay insurance on the gap between the original price and the depreciated value. The standard of used vehicles is very high these days and you can find plenty of near-new options with state-of-the-art technology and more eco-friendly. For a great deal on used vans as well, check out Cheshire Vehicle Supplies

Shop Around
There is too much choice available really so it’s a good idea to go on a few price comparison sites before you settle. There are many different deals around. Don’t go for auto-renewal if you already have car insurance. Insurance companies don’t tend to reward loyalty and you’re not likely to get a better offer than when you first joined. Look for any new offers instead as these are where the prices are lower. 

Ways To Appear More Responsible
There are several ways in which you can do this. Tweak your job title for example. It’s fundamental that you don’t lie about anything on your insurance application or your claims as this is illegal and if you’re found out you won’t get any offer again. This doesn’t mean that you can’t change a couple of words in your job title to make it sound a bit more respectable. Compare “illustrator” with “artist” for example. You could also add an experienced driver to your insurance, this will help with your premium especially if you’re a new driver. Again it’s illegal to lie and get the insurance out in their name. This is known as “fronting” and is considered a type of fraud. Having them on your insurance, however, will help you to get a deal, as they will be seen as a more responsible driver and less of a risk.

Avoid Accidents
The best way to appear more responsible is to actually become a safer driver. Avoid slamming on the brakes or the accelerator. Stay in control and don’t succumb to road rage. Always follow the traffic laws and don’t take any risks. If you don’t have any issues you can rely on your no claims bonus. If the unfortunate does happen it’s not the end of the world necessary and there are many steps to help you get through an accident. Consider having refresher driving lessons if you’re either worried about feeling rusty or haven’t had much experience.