Reducing The Cost Of Car Insurance

By Author: Anastacia Kriegh
Total Articles: 11
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Car insurance can cost a lot of money if you are not careful. In fact, how careful you are is one of the factors that has a significant bearing on the cost of your car insurance policy ? and it is one of the factors that it is within your power to control. Here is a bit more about the ways that you can lower the cost of car insurance.

Risk reduction is key when it comes to making car insurance cheaper. This means lowering the perception of the risk posed to your car as seen by your insurer. There are quite a few ways to do this.

Careful driving can help achieve this perception of reduced risk. In concrete terms, this means avoiding points on your licence from speeding and other offences ? particularly being caught using your mobile phone while driving. Points on your licence will result in an increase in the cost of your car insurance policy.

Parking you car is also important. Cars kept in a garage are at less risk of accidental damage and theft, and so are cheaper to insure. The same applies to a lesser degree to cars kept on a driveway, rather than on the road.

If you are in a high risk ...
... category as a driver ? if you are under 25 for example ? try adding a lower risk category driver to your policy. Experienced older drivers are usually in a lower risk category, and even if they will never drive the car, the average risk to the vehicle is perceived to be lower ? this can often make the car insurance policy cheaper overall.

adding a lower risk category driver to the policy to reduce the cost. The perceived average risk to the vehicle will be lower ? this can often make the car insurance policy cheaper overall.

Large powerful cars cost more to insure than smaller cars with smaller engines, so bear this in mind when looking to get a new car.

High powered vehicles will always cost a lot to ensure for younger drivers.

Security modifications like this, and fitting devices like an engine immobiliser, are worth considering as a long term way to reduce the cost of your car insurance policy ? although you should check exactly what level of discount these measures will attract in advance of getting the work done. Anastacia Kriegh is a freelance writer with 10 year previous experience in the insurance industry. Anastacia Kriegh recommends checking out Kwik Fit Insurance when looking for car insurance.