Do some homework
As you would with any other type of insurance cover, when you are looking for the best car insurance rates, you need to do as much research as possible. Every individual has their own unique needs, so you need to take this into consideration when you are looking for your own car insurance.
Compare the premiums
You need to compare the premiums that you get from the different quotes. Premiums should be in line with the amount of cover you are getting.
Manage your teenagers’ driving
If you have your teenage daughter or son driving your car, you need to manage how often they drive your car.
You won’t be automatically given a lower rate unless you ask for it
You need to negotiate a lower insurance rate for yourself. The insurance provider is mainly interested in keeping your business, so they will likely try to convince you to renew your policy automatically. It really is up to you to ask for more in terms of savings.
Compare rates for various cars
You need to compare rates offered by various quotes. The type of car you drive is an important factor in the car insurance rates that you are charged. High performance vehicles are considered high risk, so if you drive this car you will be likely to be quoted higher premiums. If you want to get better rates, opt for a less expensive car.
Maintain good credit
Having a good credit record will work in your favour when you are looking for the best car insurance rates.
Drive less
By driving occasionally you lower your insurance rates.
Request a higher excess
This will lower your premiums significantly but it can be quite risky. You need to be able to afford it.
Claim all your discounts
Lower your coverage or increase it, based on your needs
