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How to Minimise the Cost of Car Insurance
In many parts of the UK no matter how environmentally friendly we would like to be there is no option but to use a car to get around either because of time constraints or because the available public transport is inadequate or non-existent.
The costs of owning, maintaining and insuring a car can quickly mount up so most of us would shop around and look for cheap car insurance quotes.
Whether it is a Toyota, a Vauxhall or a Ford or indeed any make it might be worth asking an insurance broker to check out maker-specific deals as well as general car insurance.
There are some factors that can reduce the cost significantly.
Typically a smaller car with a small engine will be cheaper to insure. Older cars with a lesser value from can also be cheaper to insure because the insurer may have to pay out less if it has to be written off because it would be uneconomic to fix accident damage.
Your car security can also be a factor. Having an approved alarm/immobiliser fitted by a professional can reduce your premium by up to 10%. Factory fitted security may assist and is worth mentioning to a potential insurer you are considering.
Similarly if you are able to keep your car in a garage or park off road you can sometimes earn a further discount of up to around 5% when compared to "on road" parking.
Some insurers will allow discounts for low annual mileage. The lower the declared mileage the higher the discount will be available. However you should not under estimate your mileage as this may lead to problems if you have to make a claim.
Restricting the drivers on your car insurance policy to "Insured" only or "Insured & Spouse" can also bring significant reductions to the premium, as can the age of the driver, although it is no longer the case that women can attract a lower premium than men on the grounds that statistically they have fewer and less serious accidents. Unfortunately, though it may still be true it contravenes equal opportunities legislation.
The most expensive insurance is likely to be for newly-qualified or learner drivers, particularly if they are under 25 years of age. Newly qualified young drivers should consider taking the "Pass Plus training programme" set up by the DSA (Driving Standards Agency) which is recognised by some insurers and will mean Cheap Professional Liability Insurance.
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