Finding Cheap Car Insurance

Car insurance is one of the most irritating of bills for the

average family. It's getting more and more expensive to insure

your car just as it is getting more and more expensive to run

your car.

With fuel costs escalating out of control car running costs are

becoming a serious burden for the average family, especially

families with more than one car. For this reason more and more

people are looking for ways to control the costs associated with

their family transport.

And whereas you can't bring the price of gas down you can do

something to reduce your car insurance costs.

Car insurance rates are a reflection of the perceived risk that

the insurance company takes on when it insures you. If the

company sees the risks as higher then the insurance premium will

be higher. If they see the risks of insuring you as lower then

this also will reflect in your car insurance premium.

So reducing your premium is all about doing things to demonstrate

that the risk when insuring your car is low.

7 Tips To Reducing Car Insurance Costs.

1. A major factor for any car insurance company in assessing the

insurance premium you pay comes down to the type of car you

drive. Different types of car attract different levels of premium

because, in particular, different types of car are driven by

different types of people, who may have different types of risk

profile.

Sports cars, for example, will usually show a higher rate of

accidents than staid boring family cars.

And there are always certain types of cars which attract thieves

more than others, and this is reflected in the premiums you pay

to insure them.

Your insurance company can tell you which types of cars are

cheaper or more expensive to insure, so before you buy a car make

some enquiries about whether that type of car is a high insurance

premium car.

2. Consider your deductible. This is the amount you pay first out

of any claim, and the cost of your policy is directly related to

the amount of your deductible. Higher deductible - lower premium.

So consider carefully whether you could afford to pay a higher

amount first from any accident and raise your deductible. If so,

you will get lower premiums.

3. Safety and anti theft devices can reduce the insurance costs

for a car. Talk to your insurance company and find out if there

are any safety or anti theft devices that you can install to

reduce your premium. Then consider installing them making sure

that you notify your insurance company once you have done so. And

why not ring up your company and make sure that they are aware of

any safety and anti theft devices you already have, if they

aren't you may get a reduction.

4. Drive carefully. It may sound obvious but as insurance

premiums are related to risk then your manner of driving is

related to your insurance premiums. Safer driver equals lower

premiums. It may not seem so at the time but those traffic

violations or speeding fines reflect in your bill.

5. Don't just pay your premium each time it comes around without

investigating if you can do better. Car insurance rates vary all

the time and so even if it was the best rate last year it may not

be this year. Every year shop around to see if you can do better,

you may be surprised.

6. Have a look at other insurance policies you have with other

companies. Many insurers offer discounts for combining all your

family insurance with their company. Find out who they are and

get a quote on all your policies combined.

7. Always look online for a competitive quote. Most of the major

players and brokers are represented online and it is extremely

competitive. It is very easy to get an online quote, just go to

Google and search for car insurance quote and start looking.

These are just a few of the things that you can do, there are

plenty more. Educate yourself about your car insurance, find out

all you can about it and be prepared to shop around once you know

exactly what you do need, and what you don't. You will find

cheaper insurance.

Dave Lappin is a speaker and writer. You can visit his website: http://www.cheapcheapcarinsurance.com for more information on how to reduce your car insurance costs.