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Are Car Insurance Costs Killing You?

Car insurance is one of the most irritating of bills for the average family. It’s getting more and more expensive to insure your car just as it is getting more and more expensive to run your car.

With fuel costs escalating out of control car running costs are becoming a serious burden for the average family, especially families with more than one car. For this reason more and more people are looking for ways to control the costs associated with their family transport.

And whereas you can’t bring the price of gas down you can do something to reduce your car insurance costs.

Car insurance rates are a reflection of the perceived risk that the insurance company takes on when it insures you. If the company sees the risks as higher then the insurance premium will be higher. If they see the risks of insuring you as lower then this also will reflect in your car insurance premium.

So reducing your premium is all about doing things to demonstrate that the risk when insuring your car is low.

7 Tips To Reducing Car Insurance Costs.

1. A major factor for any car insurance company in assessing the insurance premium you pay comes down to the type of car you drive. Different types of car attract different levels of premium because, in particular, different types of car are driven by different types of people, who may have different types of risk profile.

Sports cars, for example, will usually show a higher rate of accidents than staid boring family cars.

And there are always certain types of cars which attract thieves more than others, and this is reflected in the premiums you pay to insure them.

Your insurance company can tell you which types of cars are cheaper or more expensive to insure, so before you buy a car make some enquiries about whether that type of car is a high insurance premium car.

2. Consider your deductible. This is the amount you pay first out of any claim, and the cost of your policy is directly related to the amount of your deductible. Higher deductible – lower premium. So consider carefully whether you could afford to pay a higher amount first from any accident and raise your deductible. If so, you will get lower premiums.

3. Safety and anti theft devices can reduce the insurance costs for a car. Talk to your insurance company and find out if there are any safety or anti theft devices that you can install to reduce your premium. Then consider installing them making sure that you notify your insurance company once you have done so. And why not ring up your company and make sure that they are aware of any safety and anti theft devices you already have, if they aren’t you may get a reduction.

4. Drive carefully. It may sound obvious but as insurance premiums are related to risk then your manner of driving is related to your insurance premiums. Safer driver equals lower premiums. It may not seem so at the time but those traffic violations or speeding fines reflect in your bill.

5. Don’t just pay your premium each time it comes around without investigating if you can do better. Car insurance rates vary all the time and so even if it was the best rate last year it may not be this year. Every year shop around to see if you can do better, you may be surprised.

6. Have a look at other insurance policies you have with other companies. Many insurers offer discounts for combining all your family insurance with their company. Find out who they are and get a quote on all your policies combined.

7. Always look online for a competitive quote. Most of the major players and brokers are represented online and it is extremely competitive. It is very easy to get an online quote, just go to Google and search for car insurance quote and start looking.

These are just a few of the things that you can do, there are plenty more. Educate yourself about your car insurance, find out all you can about it and be prepared to shop around once you know exactly what you do need, and what you don’t. You will find cheaper insurance.

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