Driving a car doesn’t always come cheap, and for most drivers, insurance is one of the biggest costs that they will face in order to ensure that they can take their car on the road. Whether you pay for your car insurance monthly or yearly, it’s always nice to be able to save money on this necessary expense and still have the peace of mind that you are driving your car legally. Thankfully, there are several things that you can do to bring the cost of your car insurance down. These include:
Look for Job Discounts
Some insurance companies will offer discounted car insurance premiums for people who work in certain jobs, such as NHS staff. If you work for the NHS and use your car to get to and from work every day, you might want to consider searching for NHS car insurance quotes.
Share Your Car With a Named Driver
If you’re willing to share driving duties with an additional named driver, and if that additional driver is more experienced behind the wheel than you are, then you might be offered a cheaper premium. All you need to do is add them as a named driver to your policy. Once added, they will be able to drive your car fully covered by your insurance policy, which is always handy to have too.
Provide Accurate Mileage
Having an accurate idea of the number of miles that you drive in a year could bring your insurance policy down. Naturally, the more miles you drive, the higher your risk of being in an accident will be – and the more you are likely to pay for your car insurance. Check your MOT certificates to get an accurate picture of how many miles you typically drive in a year in order to avoid overestimating and paying for insurance that you don’t need.
Consider a Black Box
A black box or telematics device in your car can also be very useful for driving down the price of your insurance. Different companies operate in various ways when it comes to black boxes, but most of the time you will be rewarded in some way for driving safely. The telematics device will check things like your speed, braking, and general driving – and if you are safe and cautious, you may get a discount on subsequent months or years of insurance or even money back in your pocket.
Finally, if your insurance policy is up for renewal, bear in mind that you can often get much better deals from shopping around. While simply renewing your policy might be the most hassle-free option, it can come at a high price. It’s always worth checking comparison sites to see if you could be paying less with a different insurance company for the same level of cover.
No driver can get away without paying car insurance, but the good news is that you can drive the cost down.