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Tips For Lowering Your Car Insurance Costs


Many people in these economically bleak times are seeking to reduce their expenses. Among the most costly of these expenses is your car insurance premium, an expense that nevertheless must be paid if you want to drive and have peace of mind. There are some tips you can use to bring the cost of this expense down, however. These tips are as follows.The first thing to do is to park your car in a secure indoor facility. This facility can be either a garage or an indoor car park. In either case, your car will not be parked outside, and consequently will be less susceptible to sustain theft or damage.Next, make sure that you are driving carefully. While you should be doing this as a matter of course, being careless on the road can have an adverse affect on your premium. Whether you incur a speeding conviction or end up being caught using your mobile while driving, you are doing something you do not need to be doing while you are driving. Furthermore, you will be punished for doing these things if you are caught.Consider your premium when you are choosing a car to buy. The type of car that you buy can impact the cost of your premium dramatically. As can the size of its engine and the value that it has. Therefore, when choosing a car, be aware that what it costs you overall will not simply be a one-off payment to a car dealer, but that it will also affect your premium in the long term.Another thing to do is to try and keep your mileage down. It can work out a lot cheaper for you to take a long journey on the bus or train than it will to take the same journey in the car. And not just in terms of how much petrol is used, either. The more miles that you clock, the higher the amount you will end up paying on your premium.Fit a security device to your car. If a car is equipped with an alarm or other type of security device, it will be much more secure against attempted theft. And as a result of this reduced risk, the cost of your insurance will be reduced considerably.Shop around the marketplace for a cheaper quote. There are plenty of insurers out there who can offer you a quote, and it is a competitive market. Consequently, you can bring a lower quote to your existing insurer and see if they can match it. In most cases, they will try to do this as they do not wish to lose your business, and if they cannot do this you can always take your business elsewhere.In conclusion, the tips above should provide you with a reduced car insurance premium. However, you would be wise to treat this as a beginners’ guide, rather than a comprehensive list. For more tips on how to reduce the cost of your premium, you should get in touch with your broker.

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