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5 Steps To Cheap Car Insurance Premiums
By Simon Christopher
Car is compulsory, but it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car rates really can save you serious money at renewal time.

Step 1 - Cut the Risk and Cut the Cost
The easiest way to cut your car premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.


Step 2 - Security Means Savings
Fitting security devices can also result in cheap car premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your renewal is due and gives you extra peace of mind.

Step 3 - Annual

Mileage, Less Means More in Your Pocket
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.

Step 4 - Named Drivers Trick
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!

Step 5 - Shop Around and Save Even More
The biggest car savings come from shopping around. There can be massive differences between the lowest and highest car quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car company for more specific quotes.

So next time your renewal quote arrives, don't just accept it and give your money away to the company. Use the steps above and get the right cover at the right price.
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