Insurance companies reward safer drivers. By making a few small, yet crucial changes to your car and your motoring habits, you could knock a good chunk off your annual car insurance premium. Here’s how to go about it.







A safe driver is less likely to be involved in accidents that might jeopardise their no-claims bonus – and a no-claims bonus of five- to ten- years can represent almost 70 per cent off your premium with companies like Ensure and Cooperative. If you’re a born boy-racer, you might even think about insuring your no-claims bonus so that you don’t lose it in the event of an accident.

Owners of ‘safer’ cars are likely to be charged a lower premium on their car insurance. If you decide to change your car, you should check with your insurer that the new model won’t be significantly more expensive to insure. To make your existing car safer, consider fitting an approved alarm, immobiliser or tracking devise. This can represent a discount of between 5% and 10% depending on your insurer. Lastly, think carefully about your parking options. Cars which are parked in garages are on driveways are far cheaper to insure than those which are kept on the roadside. See if you can negotiate off-street parking, or clear the junk out of your garage and keep your car in there.

It’s a simple calculation – the more time you spend on the road, the more likely you are to have an accident. Some car insurance companies will offer you the option of restricting your mileage in order to save money on your premium. Others, even offer a ‘pay-as-you-drive’ car insurance scheme aimed at younger and low-use drivers.



You may be a careful driver, but it’s important to offer your car insurance company proof of this. By joining the Pass Plus scheme or taking an advanced drivers course, you can show them that you are a low-risk proposition. Some insurers will offer discounts of up to 35 per cent to those prepared to take further driving lessons.

Adding a young and inexperienced driver to your policy may be false economy. It is likely that the premium will be calculated on the youngest driver, who will generally not have a no-claim bonus.

Even following these guidelines, you should of course always shop around for the best deal. Get car insurance quotes from as many insurers as possible so you know you’re getting the best deal. Somewhere like Co Operative may act as a good source of comparative reference for car insurance, providing a comparison table and a detailed summary of what their policy provides.



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