How To Cut The Costs Of Your Car Insurance


Driving incurs many costs in a person’s lifetime. From fuel to maintenance costs, the expense can be high. Then there’s car insurance, a necessary evil that is a necessity for all drivers. Try and forego the expense by not getting insured, and you will find yourself in trouble with the law. Thankfully, you don’t have to run the risk of being labeled a criminal when trying to make savings. You can cut down the cost of your car insurance, and we are going to tell you how. But first, if you’re a new driver then looking into the best insurance companies for new drivers is critical as these premiums can be very expensive!

  1. Compare insurance prices

When renewal day comes around, you don’t have to stick with the same insurer you have had for the past year (or longer). You are entitled to shop around, so use sites such as to find a better offer. There’s a little hassle in transferring to a new policy, and you will be paying cheaper insurance in no time. Of course, you can also tell your current insurance company of the cheaper prices you have found, and they might offer you a better deal to keep you as a customer.It is not just customers who have to look into getting insurance. But businesses too. For example, if you work with the motor trade from second-hand car dealers and mechanics to breakdown recovery firms and valet-parking, you might want to look into something like motor trade insurance. This will cover businesses and their staff are covered when driving or working on their customers vehicles or those that the company owns, alongside accidental damages. Insurance is important for anyone and everyone in whatever business you go into or whatever item you end up purchasing.

  1. Drive safely

It’s a no-brainer, but by adhering to road safety, you will stay on the right side of your insurer. You stand less chance of an accident and having to make a claim, and you won’t get any points on your license. In your insurer’s eyes, you aren’t posing a risk. To prove your safe driver credentials, and to lower your insurance further, you should also opt for a black box policy. By having a black box (about the size of your phone) installed in your vehicle, you have something to monitor your driving, giving you the evidence your insurer needs to see what a good driver you are. Speak to your insurer for more details.

  1. Use the latest car tech

And when we say car tech, we are of course referring to anything that contributes to your safety, and the safety of your vehicle. Such technology will minimize the risk of an accident or theft, and the insurer should lower their premium as a result. You can ask your insurer what technologies are applicable, but generally, immobilizers, car alarms, tracking devices, and driver-assist systems are valid additions that will cut the cost of your insurance.

  1. Keep your car in the garage

It’s strange to say, but many people don’t use their garage as a place to store their vehicles. Instead, they use the space as somewhere to store their clutter, or they convert the garage into an extra room for their homes. There’s nothing wrong with this, but if you have a garage, and you want to cut down on your insurance, then leave your car in there overnight. This is safer than leaving it in the road, where any miscreant with a knack for car theft can steal it. And as a result, your insurer will reward you with a reduced premium for locking your car away somewhere safe.


We all like to make savings in life, and these simple ideas will ensure you make savings on your car insurance. These are common sense ideas we know, but how many of them have you adhered to? Take the necessary steps to lower your premiums today!

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