It’s now autumn, and we are fast approached winter with the countdown to the festive season and Christmas well under way. As this time of year approaches, people seem to appear out of nowhere and shopping centres are full the brim with shoppers. However, because of this, it also means that the roads become choked up and full of anxious drivers. As you can probably guess- the increase of people on the road leads to a higher risk of accident, and if you want to avoid getting in touch with a car accident attorney and forking out money to pay for repairs on your vehicle.
This is why it is crucial to choose a good car insurance policy, one which offers the safety and security you need as well as not breaking the bank with heavy fees. If you are struggling with how to go about finding the best policy for you to save you money and offer maximum protection, check out these tips and tricks.
Shop Around on Comparison Sites
Before you jump at the first good deal you see, use a website such as MoneySuperMarket to enter your details and check what sort of policies other companies are offering. You may be surprised to find that the policy you want is offered much cheaper somewhere else.
Limit The Number Of Drivers
If you are a new driver, such as a teenager who’s just passed their test; adding a parent to your insurance can benefit the price you get. However, in any other case- it makes sense that the more drivers you have on a policy- the more it will cost. Bare this in mind before sharing your insurance with a family member or friend.
Fit A Black Box
Like in airplanes, a black box is there to record your driving and send speed reports to your insurance company. If you are a safe driver, agreeing to having a black box installed in your car can reduce the cost of your insurance policy. It’s definitely worth considering.
Request a Higher Excess
If you don’t know what excess means; it is the amount of money that you agree to pay for any damages done to your vehicle after an accident. So for example if you picked $500, you would pay for that value of repairs and your insurance company would pay the rest. It fits that if you agree to a higher excess amount, your insurance cost will be lower because you are taking the responsibility away from them.
If you only use your car for run around trips and to take the kids to school, it might be worth agreeing to a mileage cap. Adding a cap to your mileage reduces your insurance cost because if you are on the road less frequently you are less likely to be involved in an accident.
Take Advantage of Offers
If you switch your insurance provider, you will most likely be able to benefit from a new customer offer from your new provider. It could save you up to 10% on your policy.