Motoring is an enjoyable necessity for most of us. Having a car gives us the freedom to drive to the country or the seaside at weekends and to get to and from work during the week, but it can be quite expensive.
Some of the costs of driving are outside our control, but one area where you can probably save is on your insurance premium. Research from the RAC suggests that one in three motorists are paying more than they need to, but with these handy tips we hope readers will find the cover that suits both their circumstances and their wallet.
Thanks to the internet, shopping around for insurance has never seemed easier. That said, some comparison websites have been criticised recently and not everybody finds using them to be that straightforward; that’s where a respected insurance broker can make all of the difference.
Use your garage
If you have a garage, you should consider using it for keeping your car in overnight. Sounds obvious we know, but you’d be surprised how many people use their garage for storage and then keep their vehicle on the road outside.
Keeping your car locked away makes it more difficult to damage or steal and can significantly reduce your motor insurance premiums.
Consider a black box
If you are a safe driver and you only do moderate mileage, it could be a smart move to have a black box installed. These devices monitor how well you handle your vehicle and the times you drive it. Good driving and low mileage results in a lower insurance price.
Think about excesses
Applying a higher excess to your motor insurance policy is a good way to reduce your premium. It tells the insurer that you are willing to cover a higher proportion of any repairs costs and it can be reclaimed from another party if you are involved in an accident that isn’t your fault.
However, you need to set your excess at a level that is affordable. Pushing it up too high can make claiming worthless and leave you severely out of pocket.
Keep it secure
Installing security items, such as an immobiliser, alarm and tracking device, can earn you a substantial discount as well as make your car less appealing to thieves. Modern cars often have them fitted as standard, but make sure you declare them, as failure to do so could mean paying over the odds.
If you have questions about motor insurance you can contact P & W Insurance Group.