The key to cheaper car insurance is in the details

<h1>The key to cheaper car insurance is in the details</h1>Author: <a title="Andy Adams" href="http://www.articlesbase.com/authors/andy-adams/36945.htm">Andy Adams</a> Being able to cut down on our expenses by being more financially aware has been a growing trend since the early 2000’s with many people comparing their providers of mortgages, credit cards and even their gas and electricity providers. By doing this many UK homeowners have been able to make substantial savings by doing just a small bit of research on their part. One of the most popular expenses to compare is car insurance with advertisements in the media all over the place, but it’s also one of the easiest expenses to be able to make savings on. The reason for this is that there are plenty of factors that are considered when judging how much your car insurance is going to cost that you can do something about as well as some details which you may feel mean nothing actually having a great effect on bringing your premiums down. One of the most obvious tips is to drive safely, the biggest savings on car insurance costs are reserved for those who present the least risk to insure, so having no driving convictions or prior insurance claims like being at fault for an accident are going to push your insurance premium higher than average. As well as this you will not be eligible for any no-claims discounts as people who have multiple years without needing to make a claim get an extra discount for being careful. Another option is to increase the amount you will pay should you have to claim, this is called an excess and is usually a small percentage of the total cost of your claim. Typically people have their excesses set at around £100 -150 but if you are confident that you are a safe driver and can afford to pay a higher amount in the event of a claim then raising the excess to £300 or even £500 can significantly drag your premiums down. Plus, again, if you drive safe then you won’t have anything to worry about. Being accurate with details like your annual mileage can help improve your costs as this is a key factor when car insurance companies are weighing up how risky you are to insure, if you drive less then there’s less chance of your being involved in an accident and so your premiums shouldn’t cost as much. If you are able to use your car less or even better not need to use it for work then you can make significant savings as you are less likely to be driving during busy high-traffic times like commuting hours and again, less likely to be involved in an accident. The main advice being offered is to make sure you <a href="http://www.moneysupermarket.com/motor/">compare car insurance</a> quotes from as many providers as possible as you’ll be able to get a better deal and with much less effort than the old days of phoning up the <a href="http://www.moneysupermarket.com/insurance/">insurance</a> companies personally and getting quotes that way.About the Author: Andy Adams is an IT worker and experienced writerArticle Source: <a href="http://www.articlesbase.com/">ArticlesBase.com</a> - <a href="http://www.articlesbase.com/insurance-articles/the-key-to-cheaper-car-insurance-is-in-the-details-843280.html" title="The key to cheaper car insurance is in the details">The key to cheaper car insurance is in the details</a>

Being able to cut down on our expenses by being more financially aware has been a growing trend since the early 2000’s with many people comparing their providers of mortgages, credit cards and even their gas and electricity providers. By doing this many UK homeowners have been able to make substantial savings by doing just a small bit of research on their part.

One of the most popular expenses to compare is car insurance with advertisements in the media all over the place, but it’s also one of the easiest expenses to be able to make savings on. The reason for this is that there are plenty of factors that are considered when judging how much your car insurance is going to cost that you can do something about as well as some details which you may feel mean nothing actually having a great effect on bringing your premiums down.

One of the most obvious tips is to drive safely, the biggest savings on car insurance costs are reserved for those who present the least risk to insure, so having no driving convictions or prior insurance claims like being at fault for an accident are going to push your insurance premium higher than average. As well as this you will not be eligible for any no-claims discounts as people who have multiple years without needing to make a claim get an extra discount for being careful.

Another option is to increase the amount you will pay should you have to claim, this is called an excess and is usually a small percentage of the total cost of your claim. Typically people have their excesses set at around £100 -150 but if you are confident that you are a safe driver and can afford to pay a higher amount in the event of a claim then raising the excess to £300 or even £500 can significantly drag your premiums down. Plus, again, if you drive safe then you won’t have anything to worry about.

Being accurate with details like your annual mileage can help improve your costs as this is a key factor when car insurance companies are weighing up how risky you are to insure, if you drive less then there’s less chance of your being involved in an accident and so your premiums shouldn’t cost as much. If you are able to use your car less or even better not need to use it for work then you can make significant savings as you are less likely to be driving during busy high-traffic times like commuting hours and again, less likely to be involved in an accident.

The main advice being offered is to make sure you compare car insurance quotes from as many providers as possible as you’ll be able to get a better deal and with much less effort than the old days of phoning up the insurance companies personally and getting quotes that way.

Andy Adams is an IT worker and experienced writer

Rate this Article:

0 / 5 stars - 0 vote(s)

Re-Publish

Article Source: http://www.articlesbase.com/insurance-articles/the-key-to-cheaper-car-insurance-is-in-the-details-843280.html

Article Tags: motor insurance, car insurance, motoring, cars

Related Videos
Related Articles
Ask / Related Q&A

Play

Car Insurance at Every Stage of Life

Play

Insuring Your Car

Play

Auto Insurance Policy

Play

Car Insurance Advice: Driving a Lemon

Play

5 Things to Know About Auto Insurance

Latest Insurance Articles
More from Andy Adams

Allstatespublicadjusters: Insurance claims adjuster, insurance claims processing, and insurance settlements

By: aspa | 12/11/2009
An Insurance claims adjuster provides expert indication and present reports to a judge for insurance settlements. Insurance claims adjuster at a public firm provides services to the claimant rather than the insurance provider. To become an insurance claims adjuster, a person must have at least a high school diploma, though many employers prefer applicants with connections or bachelor's degrees in business management or accounting.

Insurance Rates Online - How to Find the Most Affordable Online Insurance Rates

By: Matt Couch | 12/11/2009
We all know the benefits of being insured, as much as we may want to whine about how expensive the policies are sometimes.

Find Cheap Insurance Rates Online - How to Compare and Find the Cheapest Insurance Rates

By: Matt Couch | 12/11/2009
Insurance rates vary greatly depending on the company that is issuing them, bearing in mind that these companies are out to maximize on profits.

How To Get Affordable Individual Health Insurance

By: Alan Lim | 12/11/2009
If you do not have a health insurance policy, then you must read about the available affordable individual health insurance plans in this article and get one policy for yourself as soon as possible.

Free Insurance Rates Online - How to Compare and Find Insurance Rates Online For Free

By: Matt Couch | 12/11/2009
Technology has greatly helped people to advance and achieve a lot in less time than they would have in days gone.

Why Do You Need Affordable Health Care Insurance

By: Alan Lim | 12/11/2009
There are many answers for the question why do you need affordable health care insurance, but the best among them is for ensuring complete peace of mind.

Applicability of Professional Liability Coverage

By: ammenda | 12/11/2009
Insurance protects a person or a business from specific risks including anything from theft to natural disasters. In a business, you have to face significant and costly risks. You are responsible to your property, employees and the clients of your business.

Designer Insurance - Risk Management For Creative Minds

By: ammenda | 12/11/2009
The innovations of designers have transformed the lives of millions of people. Take some of Britain's most iconic designs. The Spitfire, Concorde, Red Telephone Boxes, The Mini & The World Wide Web. All rank amongst the most original, symbolic & influential designs ever made.

Electricity prices drop whilst Gas remains high

By: Andy Adams | 31/03/2009 | Accessories
Home Utilities like Gas and Electricity supplies, water and telephone bills are all expenses that can creep up on you with little indication of how much you’ll be paying until the bill drops through the letter box. With money being tighter than ever a lot of homeowners have found that its little things like bills that are secretly costing them a substantial sum of money.

Virgin Broadband set to soar to 200Mbps

By: Andy Adams | 31/03/2009 | Networks
In recent years Virgin Media’s adoption of NTL and Telewest has resulted in many of their customers getting a much improved service from adding the Virgin On Demand service to XL customers for free providing them with a wealth of programmes which they can watch at the drop of a hat to cheaper phone calls and call plans that rival some of the best mobile phone contracts.

Mobile Phones: The Touch screen revolution

By: Andy Adams | 31/03/2009 | Cell Phones
Mobile phones are vital parts of our lives these days, form the businessman clinching a deal on the go to a child who gets a call from their parents asking them where they are, almost everyone seems to have mobile phones these days, sometimes more than one.

Mobile Phone buyers warned over insurance scam

By: Andy Adams | 31/03/2009 | Cell Phones
Mobile Phones are an almost mandatory part of our lives these days, an overwhelming percentage of the British population owns at least one mobile phone with some people even owning two: One personal and one work or business phone. There are people buying new phones every day and so there’s plenty of room for uncertainty in the owner’s eyes with these small high tech gadgets in their pockets.

The key to cheaper car insurance is in the details

By: Andy Adams | 31/03/2009 | Insurance
Being able to cut down on our expenses by being more financially aware has been a growing trend since the early 2000’s with many people comparing their providers of mortgages, credit cards and even their gas and electricity providers. By doing this many UK homeowners have been able to make substantial savings by doing just a small bit of research on their part.

Car Insurance: The true cost of Drink Driving

By: Andy Adams | 31/03/2009 | Cars
Nowadays with the daily costs of motoring on the rise many motorists are cutting down on the money they spend whether it’s travelling throughout their town to find the cheapest petrol prices or simply trying to cut back on using their cars so much. One of the main areas drivers are able to cut back on the expense of owning a car is insurance.

Insurance woes hurt the pockets of motorists

By: Andy Adams | 31/03/2009 | Insurance
Everyone knows that driving a car means you have a fair few extra expenses like maintenance, fuel as well as insurance which can in many cases be a hefty cost for being able to drive. The thing with insurance is that it is mandatory in the UK and most other countries and driving without it will often cost you much more than its worth.

Toxic Loans And You – An Explanation Of The Latest Financial Buzzword

By: Andy Adams | 03/03/2009 | Personal Finance
Many of us have little care for the banks that are in trouble, or at least we don’t care unless it’s our bank that is faltering anyway. The image that is given off by the press is that the banks have spent the past few years being incredibly irresponsible with our hard earned money and there’s a good chance that our money may disappear.