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Featured Articles |
| Spend your
money on your car, not your Insurance |
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Buying a new car is an
expensive affair. It often requires complicated finance packages and
years of debt. Don’t let your car insurance be a further burden. We give
you our guide to keeping insurance costs low, allowing you to feel free
to enjoy your car without being hit by painful premiums.
Firstly, buy annually. If you pay for your insurance monthly, you will
split the cost into 10 or 12 parts, yet you may be charged between 6%
and 28% more in interest, a startling amount. Try to save up the premium
and pay it all at once or search for an insurer who doesn’t charge for
instalments. If instalments are absolutely necessary, it is probably
better to pay on a 0% finance credit card and pay that back, than to use
the insurer’s scheme.
Continue to shop around for your car insurance, particularly if you have
been with a company for a year. Insurers often push prices up after the
first year, so avoid being caught out. Also make use of the internet.
Online quotes are usually lower than those over the phone.
It might also be worth opting for a larger excess, as this will reduce
your premiums. This may be particularly relevant if you have a used car
which is depreciating rapidly. It may work out cheaper to pay for any
potential scrapes rather than claim on your insurance. Alternatively
consider downgrading to a lower coverage policy, although be sure that
it is adequate for your needs.
Another way to cut costs of essential cover is to switch to a different
breakdown provider. There are many companies available who offer reduced
rates, with some starting at as little as £30 a year. Here Kwik Fit
Insurance cover can work in your favour: buy a car insurance policy from
them and they’ll give you a complementary discount at Kwik Fit Centres
across the country, helping you save on any potential work or products
needed. Check their website to browse their
car
insurance policies.
By following these terms, you can easily shear some of the cost off your
car insurance premiums, leaving you free to enjoy your car guilt-free.
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