- Reduce the risk of your car being stolen
- Compare, compare, compare
- Better your driving skills
- Review your plan regularly
It's time for you to choose a car insurer or to review your current car insurance plan — make sure to get the best option for you, with a few tips and hacks.
Car insurance is calculated based on a number of factors which include your risk profile and daily travel routine. While it may seem as though there's nothing you can do to change your premium, there are in fact new behaviours and habits you can adopt in order to reduce the payments you will have to make on your car insurance.
Reduce the Risk of Your Car Being Stolen
You may think it's simply bad luck that determines whose car is stolen in any given situation, but insurers calculate how high the risk of your car being stolen is based on various factors. Try to park your car indoors or in secure parking as often as possible. This will force insurers to lower your monthly fee due to the fact that the risk has been reduced.
Install a tracker in your car. Having a tracker in your car doesn't only mean that you are more likely to recover your car, but also that your insurer will have to lower your premium as a result of you actively lowering the risks of your car not being recovered if it is stolen.
Try not to drive through high-risk areas. Your insurer will probably ask you where you travel to on a daily basis and whether you use your car for business or private use. If you're required to drive through high-risk areas, try to do this as little as possible.
"If you're unhappy with the premium you're paying you can ask your insurer to review your insurance premium and reduce it. "
Compare, Compare, Compare
The best way to get the best deal for you is to compare as many options as possible to find the best prices for you and your needs. Luckily, there are several tools and websites that will do this for you so that you don't have to spend hours looking around and speaking to insurers that simply aren't right for you.
Better Your Driving Skills
Taking an advanced driving course or a defensive driving course means that you can reduce your risk of getting into an accident. Not only can this lower your premium, but this may also allow you to reap certain rewards from your insurer and even certain benefits when buying a new car from selected car brands and dealerships.
Review Your Plan Regularly
If you're unhappy with the premium you're paying and have the proof to back you, you can ask your insurer to review your insurance premium and reduce it. The best way to do this is to compare your insurance to others and if another insurer is willing to give you a lower premium, your current insurer will usually reduce yours to match their competitors.
In addition, you should ensure to keep your credit record as good as possible by paying off all your bills and accounts on time. This will show insurers that you're reliable and less of a risk to insure. Complete the form below to get a car insurance quote that matches your vehicle and pocket.
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