Buying Your Car Insurance

It’s impossible to get away from the fact that owning a car is expensive. Once you add up the purchase price, plus the tax, insurance and fuel, you’re looking at a good chunk of cash. However, car insurance is one area in which it is possible to cut your costs.

Insurance groups

Insurers divide cars into 50 groups on the basis of several factors including probable repair costs and engine size. The higher the insurance group, the more you will pay for your premium. Before committing to buying your new car, check what group it falls into so that you don’t get any surprises when you come to insure it.

Driving habits

See if your insurer will take your driving habits into account when quoting your premium. If you are an occasional driver only driving at the weekends, for example, you are far less likely to have an accident than a motorway commuter and this should be taken into account. If you have accrued points on your licence this is likely to raise your premium significantly and if you have been convicted of a serious motoring offense you may not be able to get cover at all.

Basic can be best

Many comprehensive insurance policies come with a range of optional extras including a courtesy car, but these can push your premium up. Make sure you are only paying for what you need.Budget Insurance may well be all you need.

Buying online

Some insurers offer a discount to those of their customers that choose to buy online. This is because such applications are cheaper and easier for them to process.

Security first

Motorists who put obstacles in the way of car thieves will often be rewarded by their provider with lower premiums. Consider fitting you vehicle with an immobiliser and an approved alarm.