Discount Car Insurance

For most people, car insurance is the second most costly expense, after the mortgage. Getting discount car insurance can greatly lower this cost, even by several hundred pounds. It is possible to get multiple discounts on the same policy so that when you add up these discounts, what you get is a great reduction. The first and most important thing to consider when looking for discount car insurance is the insurance company to buy a policy from.

Insurance companies are as different as they are many. Take time to research on the insurance companies that have caught your interest. Check out their terms and conditions. Check also the kinds of discounts they offer clients. A good insurance company is one that has a range of discounts to cater for different clients. The more discounts there are on offer, the more likely that you will qualify for two or more of them; and the more discounts you get, the less you eventually spend on car insurance.

Finding an insurer who is willing to reward you with discounts is one thing and qualifying for the same quite another. So how can you ensure that you qualify for available discounts? There are a number of ways to do this:

1. The first thing you need to do to earn yourself a discount is buying a car with a high safety rating. Insurers recognize such cars as the safest automobiles to drive because of their low accident risk and reward their owners with considerable discount percentages. A carís safety is determined by among other things: its engine power, upper speed limit and cost of repair. Check the carís safety rating before buying so that you do not unknowingly end up with a car that is expensive to maintain.

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2. Minimize your annual mileage. The best way to do this is by eliminating unnecessary road trips. Insurers give low mileage discounts to drivers who limit using cars to only when absolutely necessary. If the nature of your job is such that you have to use your car all through the week, avoid using the car during the weekends. If your car usage level is high, you will spend less on insurance if the car is low maintenance. Cars with low safety ratings are considered highly likely to be involved in accidents. Driving such a car frequently only increases your chances of getting into an accident, so if you must drive often, use a car with a high safety rating.

3. Increase the security of your car in order to earn a car safety discount. This you do by installing tracking systems, alarms, automatic locks and safety belts; and other safety features. You should also ensure that you have a safe garage to house your car when you are not using it. Insurers consider all these things when giving insurance rates. The lower the chances of your car getting stolen, the lower your premiums will be.

4. If there are two or more cars in the family, insure them all with the same company. Insurers give a multiple car discount to people who do this. New or young drivers who have little driving experience will benefit greatly from this, as it has the potential to reduce their auto insurance costs by nearly half.

5. Make a deliberate intention to build up your no claims bonus. The longer the period you go without filing a claim, the higher the discount you get. Usually, this discount is given in annul increments so that if last year you got 45% off, this year you get 55%, depending on the companyís computation. Compare the no claim discount in different insurance companies when looking for a provider as the rates vary greatly between insurers.