The first thing to remember when looking for discount car insurance is that the less likely your car is to be damaged or stolen, the less the insurance premium will be. That is why it is important to keep cars in a garage if possible, helping to ensure maximum security.
This not only gives better protection against thieves, but also protects the car against the elements.
Often, additional car insurance discounts are available by minimising non-essential driving. The fewer miles driven, the less exposure your car has to potential accidents. Although it may be difficult to reduce the usage of your car, cutting out some of those unnecessary journeys can often save money on your insurance premium.
If cutting down the distance driven is tough, then choose a practical and economical car. Cars with smaller engines and good safety records are generally in lower insurance groups. A low insurance group will ensure that you are getting both a practical car and often a sizeable car insurance discounts.
One of the most effective ways to reduce car insurance premiums is to build up a no claims discount. Generally, the longer the period without a claim the cheaper the premium will become. This is because insurance companies associate less of a risk to those who have claimed less recently. Not claiming on your car insurance will let you build up a No Claims Discount which can reduce your car insurance premium.
All the above methods can help discount car insurance premiums, but perhaps the most effective technique for reducing your insurance is to make sure you choose the right company.
