Top Hacks When Discovering How to Get Cheap Car Insurance

If you’re not considering how to get cheap car insurance then you should be. Paying insurance is an essential part of protecting you and your family against financial claims and other issues. But, there is no need to overpay for the privilege

Car insurance is generally seen as a necessary evil. The law requires you to have a minimum level of car insurance and yet, hopefully, you’ll never need to claim. That generally feels like you’re wasting your money.

Of course, if you’re involved in an accident you’ll be glad you had insurance to cover all the costs. That’s what makes car insurance so difficult. You want the best cover, but, you don’t want to pay top dollar because you hope you’ll never need it.

Fortunately, there are plenty of ways to reduce your car insurance costs and get the best of both worlds.

 

Hacks For How To Get Cheap Car Insurance

One of the easiest answers to ‘how to make your car insurance cheaper’ is to change your car. Of course, reducing the size of the engine or the size of the vehicle isn’t a viable option for most people.

If you’re concerned with how to get cheap car insurance and thinking about replacing your car, then you employ this tactic. You’ll need to look for which cars have the cheapest cover and purchase one of them. It’s very much a case of practicality over style.

If that’s not an option, try one of these hacks:

Compare Quotes

The most obvious first step when you’re looking for how to make your car insurance cheaper is to use a comparison site. You enter your details once and then you’ll be given a list of quotes. You can check the prices and the level of cover offered, ensuring you choose the best one for your needs.

Limit Your Mileage

One of the easiest ways to reduce the cost of your car insurance is to look at how many miles per year. Insurers will usually have set mileage limits, if you are confident that you will stay under the limit then you can benefit from the reduced rates.

However, you need to ensure you stay under the mileage limit, if you don’t the financial penalty can wipe out your insurance savings.

Park In The Garage

If you have a garage then you may be part of the 25% of Americans that state it is too cluttered to get a car in. It’s time to tidy!

Parking your car in the garage will reduce your insurance premiums as the car is safer overnight. Not only is it out of sight, but the garage door also creates an extra level of security. That’s enough to keep the insurance company happy and reduce the cost of your car insurance. 

Use Additional Security Devices

Additional security devices include upgraded alarms, wheel locks, and steering locks. You can use these whether you park in a garage, drive, or on the street. Additional security needs to be approved by your insurance company, that’s how to get cheaper car insurance.

Speak to your insurance company and verify which devices will reduce your premium, you can then invest in them.

Allow The Insurers To Track You

Most insurance firms now offer a ‘black box’. This monitors your driving and reduces your premium if you’re considered a good driver. That means planning ahead when driving, avoiding sudden braking and accelerating, and keeping an eye on your speed. 

If you think you can do this then the black box has the potential to significantly reduce the cost of your car insurance. 

Increase Your Excess

Every insurance policy has a voluntary excess. This is how much you’ll pay toward any claim when you are at fault. Increasing this reduces the cost of your insurance as it lowers the amount the company needs to payout.

It’s a good way to reduce the cost of your car insurance. But, make sure you set a comfortable level. You don’t want to contribute more than your vehicle is worth.

 

Final Thoughts On How To Get Cheap Car Insurance

The above hacks are all great ways to reduce your car insurance costs and still have all the cover you need. It’s worth trying them out, you’ll be amazed by how much you could save.