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Tips For Getting Cheaper Car Insurance

Apr 26, 2011

When it comes to car insurance you really can do more to get cheaper rates.  A lot of people will just accept the quote they are given by the first car insurance company that they find and will go with that.  Others will accept their renewal quote at the end of the year without even questioning it.  However these days we are becoming savvier about how much we spend on certain things and this leads us to start wondering where we can make cuts.  Well you will be pleased to know that with your car insurance it is possible to pay less each month or year and the tips below will show you how:

•    The first thing you need to do is to work out what your requirements actually are when it comes to car insurance.  There is no point in paying for cover that you don’t need.  For example, if you are a stay at home mum, then you probably won’t have to have cover for a rental car.  On the other hand, if you use your car to get to and from work, this cover could be very important.  Think about what cover you are getting and see if you are paying for things that you probably don’t actually need.
•    If you are looking for recommendations about the best insurance company to use then speak to people that you know.  You may find that they are getting relatively cheap car insurance from a company that you did not know about.  It always pays to speak to others as these first hand recommendations are worth so much more than what you read online.
•    Look for a number of quotes when buying car insurance for the first time or when the time comes to renew your insurance.  If you get a cheaper quote from another company then let your existing company know about it.  You will probably find that they will match this quote or even try to beat it.  This will mean you won’t have the hassle of switching to another company.  If this is the first time you are buying car insurance then you need to get a number of quotes so that you can choose the best one.
•    Installing security devices in your car could help you to get reduced rates on your car insurance.  Many insurance companies will reward you for installing devices which will deter criminals such as alarms, immobilisers and steering wheel locks for example.
•    There are a number of insurance companies that will offer discounts for limited mileage use.  If you only use your car at the weekend then you may benefit from this so ask your insurance company about these kinds of discounts.

It is possible to reduce the amount you pay for car insurance but you may have to do some work.  The above are just a few of the ways that you can do this.