Cheap Car Insurance

Cheap Car Insurance. Is there any such thing? Well, let's just say that no car insurance is cheap these days, but there are car insurance deals that are considerably lower than you are currently paying. What are the criteria to obtaining Cheap Car Insurance? 1). There are a few obvious factors. If you are insuring an expensive car then you can expect to pay much higher premiums, after all, if the car gets stolen or damaged, the cost of repair or replacement will be much higher for the Car Insurance Company. So you may need to consider buying or replacing your car with a cheaper model. 2). The engine size of your car will greatly impact on the cost of your car insurance. Lowering the engine size will lower your premiums. 3). A car alarm will reduce the chance of theft, therefore car insurance companies will reward you for any security enhancements made to your car. 4). Storing your car in a garage overnight is also a big factor. A great many thefts are made during our sleeping hours! 5). Insurance companies also favour vehicles with extra safety equipment, such as ABS and side air bags. 6). Watch your credit score. Car insurance companies are relying more and more these days on credit scores. Statistics are showing that people with low credit scores are making more claims, so insurance companies are penalising those with low credit scores. 7). Choose a higher deductible/excess. By choosing to pay a higher excess on your motor insurance policy, you could bag that 'cheap car insurance' that you're after. Beware though, by going for this option, you will have to ensure that you can financially afford the excess amount if you make a claim. 8). Avoid making small claims at all times. If the claim is less than your excess, it's pointless adding a claim to your record. Sometimes the actual claim is only marginally higher than your excess. If you could find the extra cash, this would avoid penalties by your insurance company resulting in higher premiums the following year. So, let's sum up the best way to get Cheap Car insurance. Follow as many of the above steps as possible. Maintain a clean driving record. Drive safely and avoid speeding fines and tickets. Try to make no claims. When you make no claims, you build up a 'no claims bonus'. Over a period of time this will escalate and reduce your premiums drastically. Finally, if all else fails and you are prepared to take the risk, you could forgo comprehensive insurance and have third party only. This is the easiest way to get cheap car insurance but you must know that in the event of an accident you will only be covered for the damage on the third party car. So you need to decide whether you could potentially afford to repair/replace your own car if this scenario was to happen. As a rule of thumb, you really do get what you pay for, so shop around, go online and find the 'BEST Cheap Car Insurance' that you can!

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