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21 Ways to Save
on your car insurance.

Most of us have some ideas about how to get a good deal on car insurance. We’ve looked at the obvious ones, and searched for the less obvious – and have come up with 21 ways for you to save money on your premiums.

And to help you judge which are the tips that’ll save you most, we’ve awarded each tip between one and three green ticks. The more green ticks, the more you are likely to save.

1. Get the best price  
Always, always shop around. Use the internet to compare deals between different companies. You could find the difference in quotes to be staggering. If the best deal offered you a quote of 400 pounds then the worst deal could be as high as 1000 pounds – do the research and win. Follow some basic rules and you should be able to save yourself pounds on your premiums.

Any car salesperson wants to recover some of the money they have “lost” on the deal you’ve gone for. The sort of insurance they want to sell you doesn’t come cheap and you are a soft target for cross selling when you’ve found the car of your dreams. Stop and think carefully. Don’t undo the “savings” you made on the deal by going for their insurance option.

Never just accept your existing insurer’s quote either. They want to make money, and make massive profits due to our apathy. They will rarely offer incentives for you to stay with them, so always shop around for quotes.

Young, city drivers may pay more one year than older country based drivers. Insurers like to attract certain types and ages of drivers. This is known as target marketing – but parameters change year on year. Just because you had a high quote from a company last year doesn’t mean it will be high next year. It’s always worth a call to check .You could save yourself money, for very little effort on your part.

Nowadays it is so easy to get comparisons, without having to even leave your home. Log on to the internet, select Go Compare on your web browser, and you’ll be connected to Securance. Just complete your details on screen   and you will have a selection of up to 15 quotes to choose from within minutes. You have nothing to lose and so much to save!

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2. No claims bonus    
The maximum no claims bonus is generally 5 years – earned by your not making a claim on you policy.
The industry definition of “no claims bonus” may surprise you. They define “no claims” as your insurer not making any payout on the policy. Many drivers believe their bonus remains intact if, for example they had been involved in an accident, which was completely the fault of the other driver. Your no claims bonus only remains intact if your insurance company recovers the full cost of your car repairs from the other side. Any costs not recovered will still be classed as a claim on your policy, and so will affect your no claims bonus.

No claims bonus discount can be transferred between different insurers, with a five-year maximum discount of 75 per cent – rewarding you, the careful driver, with a generous reduction in premiums. Make sure you get confirmation in writing of your no claims bonus in writing, when switching companies to prove your entitlement.

If you share a policy with your partner or spouse it is possible to transfer the no claims discount between you. Get separate quotes when renewing for both of you as the bonus holder, then go for the best quote.

Generally, you can keep your no claims bonus entitlement for up to 2 years, so if you haven’t owned a car, for example because you had a company vehicle, you don’t have to start over.

If you’ve been a named driver on a different policy, or had a company car for a while, always tell insurers when shopping for quotes. You may still be eligible for a discount. It is also possible to insure your no claims bonus allowing you to make a claim on your policy, but retain the bonus. Ask your insurer for advice on this.
Always compare net costs before committing yourself - no claims discounts can be seductive – make sure it’s the right deal for you.

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3. Car ratings    
Nowadays, the insurance industry uses a scale of car ratings from 1 to 20.However, some companies have introduced their own ratings systems, which can extend the range up to 40 or even 50.These ratings cover a range of car features ranging from the cost of repairs to the theft risk., the weight of the vehicle, and the engine power.  Cars with similar characteristics are banded together, which will include a spread of groups from any model range. The higher your cars rating, the higher your premium will be. Choosing a lower rated car means lower premiums – it’s that simple!

More information on Land Rover Cars


4. Size does matter    

- and not just the size of the engine. If your car is heavy, as well as high-powered then insurers will charge you more. Fast and heavy equates to a much higher risk, and even more so for younger drivers. Premiums will be much higher – so think carefully .A car with a lower power to weight ratio will take a far smaller bite out of your household budget.


5. Driving History   
Insurers require that you give all the details of previous driving and accident history, so if you were ever involved in an accident, even if you didn’t claim on your insurance, and your previous insurer was never involved, it may still affect your new quote.
 Ask for quotes with and without any accident history then speak directly to some insurers. Many will still accept you but omit such “no claim” incidents. For peace of mind, always get the name of the person you speak to, and keep a record of when the conversation took place.


6. Payment options   
Insurers love direct debit payments. The reason is simple – they can charge you for the privilege! An APR rate of up to 20 per cent is common, and can undo the savings you made shopping around for the deal. It may seem attractive to spread the cost over the year, but think carefully about the real cost to you. Always check if your prospective company charges extra for spreading the cost. If at all possible, pay your premium in full, at the start (some credit cards offer zero per cent introductory deals – you could put it on such a card and pay no interest)


7. How much is your car worth?   
It stands to reason. If your car is worth 20,000 pounds then it will cost more to insure than an old runabout worth 1000 pounds.
However an old runabout may end up costing more than you would expect, because insurers see the runabout as possibly less reliable, and think you won’t take the same care of it as you would the more expensive one. As ever, shop around for the best quote.


8. Should I buy a modified car?   
Easy answer. NO – many insurers won’t even give you a quote, and those that will are going to charge you a lot of money for the privilege. Again, statistics say modified vehicles are more likely to be involved in accidents, and will often cost more to repair. Incidentally, you may be surprised at the industry definition of “modification” It could be as simple as a non-standard exhaust, or even “go faster stripes”, not necessarily a big powerful engine so think carefully before you go ahead with any changes. Getting a quote for a modified car needs a different approach. You can get better results by picking up the phone and talking to insurers direct.

Use Securance’s website, enter your details and hit “no” for modifications. Then ring an insurer and talk to an underwriter. Tell them you are thinking of making modifications and are looking for a quote before proceeding. Ring at least 2 or 3 companies and get both figures. Take reference numbers and names, and then take time to consider which quote offers the best deal for you.
 

9. Pick the right level of cover for you  
Insurance companies base their figures on historical statistics, which is why, nowadays, they are probably the only industry who can get away with charging men higher prices than they charge women for the same services.

 Statistics prove that young drivers in less expensive cars are more likely to have accidents and claim on insurance. This is possibly down to inexperience or because the cars are regarded as easily replaced. Unfortunately, the damage and injuries suffered by third parties cost the insurance companies huge sums every year. Statistics also show drivers with comprehensive policies are much less likely to be involved in accidents, and so cost insurers less in claims payouts.

Because of this, it is possible that a quote for comprehensive insurance could actually work out cheaper than a quote for third party, fire and theft – even from the same company! Shop around and get the best policy for your needs.


10. Use your garage!  
Parking on a private drive, or better still, parking in a locked garage every night will get you better premiums, as most insurers see this as being far more secure than parking on the street or in a car port. If you use a private drive then put that on your application. Insurers prefer a private drive to “private parking” or even “car port” Make sure you put the right details on your application to get the best quote.


11. Named drivers on your policy  
A car owner with a good driving history living at your address may help to reduce your premiums – but ask for quotes with and without them to be sure as it may also increase the cost.


12. Voluntary excess  
Every car insurance policy has a fixed compulsory excess amount. You can then pick a level of voluntary excess to be added to the policy. In effect, you are accepting more of the risk in the event of a claim on your policy; by agreeing to pay a bigger portion of any repair bills and it can help to reduce your premium. For example, if you wouldn’t claim on your policy for less than 500 pounds, then set the compulsory and excess figures total to over 500 pounds. This should result in a reduction in your premium. Always check the figures and make sure the reduction is worth the extra excess payment.


13. Married couples   
Insurers see married couples as more responsible – which in itself can get you lower premiums. Even better, you could save more if you are both named drivers on your policy! Get quotes with you both as named drivers (even if only one of you will be the regular driver), as well as a quote for the “main driver” only and see if you can save money.


14. Mileage matters  
If you keep a “classic “ car lovingly polished and cared for in your garage, and just take it out on long, sunny days for a country drive, then tell your insurer – low annual mileage could get you a lower premium. Look for a classic car policy.
If your girlfriend lives in Manchester, you live in Glasgow and you visit every weekend, then the high mileage will bump up your premiums.

Of course, the insurance industry is never simple. If you do a very low annual mileage (usually less than 2000 miles), insurers can be concerned that your driving skills could be less sharp and might increase your policy premiums. Generally 10,000 miles per year is the accepted average mileage, but if you do less, keep a record and tell your insurer when getting a quote. It may help you to save some money.


15. New drivers and the Pass Plus course  
The Pass Plus Course is aimed to help new or younger drivers. Some insurers will offer discounts of up to 20 per cent if you have passed this course. However, the course will cost you up to 150 pounds to take (fees can vary in different parts of the country), and it will take a minimum 6 hours to complete after   your basic driving test. You will also have to budget for any extra sessions for you to pass the course, so the overall cost may mean little or no saving on your eventual premium. Check as many quotes as possible to see if it works for you. Pass Plus say the course will:

•    Boost driving confidence
•    Build on existing knowledge and skills
•    Help you gain valuable driving experiences
•    Reduce your chances of being involved in an accident

If you have a birthday between starting and passing the Pass Plus course, your insurance premiums may reduce slightly anyway. Get quotes to see if you are saving money. Your local council may offer grants to help with course costs – ask your driving instructor for advice on this point. Research (and statistics) from the Association of British Insurers (ABI) say that Pass Plus drivers have a 19 per cent chance of being involved in an accident. Drivers who didn’t take the course have a slightly higher risk at 20 per cent, so insurers may not offer any significant discount for Pass Plus candidates. Always shop around for the best deal.


16. Pick the right colour 
The old saying about “red for danger” seems to hold true for some insurers -statistics again - it seems red car drivers are deemed more likely to be involved in accidents, so premiums can be higher.  Black cars tend to be less visible at night, so can also attract higher premiums Choose metallic paint and they are more expensive to repair and respray, so again, premiums may be higher. If you choose a green car and live in the country, at least one insurer thinks you are so well camouflaged in the hedgerows you are more likely to have an accident!

The good news? Buy a white car! Seen by many insurers as the safest choice, for town or country driving.


17. Buy a house! 
Homeowners are believed to be less of a risk for insurers, with fewer accidents, and this is often reflected with lower premiums. If you buy a property, don’t forget to update your insurer. It might save a few pounds on your premium


18. Grow old! 
The morning you wake up on your 25th birthday can be a real turning point for car insurance. Yesterday you were seen as carefree and far more likely to be involved in an accident as a result of your youthful, high-spirited driving. Today, you are a mature, sensible citizen and a much more careful driver. But never, ever, tell an insurer you are older than you are.  Lying about your age can invalidate your insurance in the event of any claim and you could be black listed.


19. Get the right job! 
TV presenters and journalists are often regarded as heavy drinkers by the insurance industry and so will pay higher premiums. Supply teachers are seen as much less of a risk, so will attract lower premiums. I wonder what insurers would make of a 24-year-old racing driver? I guess Lewis Hamilton could probably still afford the premiums!


20. Where do you call home? 
Insurers sometimes use postcode areas to fix premiums. Even if you have never been involved in any type of car crime (for example theft of, or theft from your car), and consider yourself to be a safe driver – if your postcode is in the “wrong” area, then you will find your premiums will be higher.

City dwellers living, working and driving in built up urban areas will pay much higher premiums than those lucky enough to live even in the leafy suburbs. If you live on some remote Scottish island, you’ll pay even less.

If you live in central London and drive around in a Ferrari, and your parents live on Arran do not be tempted to use their address for your insurance. If you ever need to claim on your policy, and the insurers find out, they will declare the policy invalid. Using somebody else’s address is an old trick and one that insurers are well aware of. Chances are, you will be found out and it could cost you a lot of money.

21. Join the anti smoking movement! 
We all know that any form of insurance   policy costs more for smokers. You may be able to cut your premiums by giving up the dreaded habit. It’s statistics again - accident rates are lower for non smokers. Insurers of course don’t penalise mobile phone owners - using a mobile whilst driving is already an offence, unless you use a hands free kit.