Car insurance come at a price but the question now is ‘how much’? Nobody wants to pay for their car insurance more than necessary.
Whilst some factors contribute to the amount you pay for car insurance, there are still ways to get affordable car insurance in Inverclyde.
In Inverclyde, it’s unlawful to drive without car insurance; drivers are expected to have at least a third party insurance which is the minimum car insurance that provides cover for treatment and damages you cause to the other party in an accident.
The minimum car insurance is the most affordable car insurance in Inverclyde however it may not provide you with the adequate coverage you might need. Opting for a higher insurance cover would mean paying more but you can keep your premium costs low by following the steps we’ve provided below.
Ways To Get Affordable Car Insurance In Inverclyde
- Choose Your Car Carefully
Your vehicle type is one of the major factors car insurance providers focus on when setting premiums. A basic, inexpensive vehicle will cost you less to insure than a large, powerful, and expensive model.
The reason is fancier and classy-looking vehicles stand out and attract thieves and are more at risk for vandalization. Furthermore, expensive cars cost more to repair and since they are faster and more powerful they tend to be in more expensive accidents.
Do well to find out how much it’ll cost to insure the car you want to buy and then compare it to a smaller, and less powerful one; this is the first step in getting affordable car insurance in Inverclyde.
- Improve Your Car’s Security
If you do your best to keep your car safe, car insurers will offer you a more affordable premium. You can improve your car security by keeping your car in a secure garage, rather than on the road where it’s in easy reach of thieves and vandals.
If you need to park on the street, make sure you park in well-lit areas. Installing additional security features like a tracker can further reduce your premium.
- Drive Fewer Miles
Driving for longer miles increases your chances of having an accident – usually car insurance premiums are more affordable for individuals who drive fewer miles.
Commuting to work with your car will make your premiums higher as you’d be more likely to be driving often and at rush hours which increases the probability of you making a claim.
However, be honest about your mileage; your provider may not pay out if your mileage doesn’t match up.
- Choose The Right Level Of Cover
As I said earlier, driving on Inverclyde roads requires you to have car insurance, of which there are three levels:
Third Party Insurance: This policy covers damage to other vehicles and property and injuries you cause to other people in an accident. However, you will not be able to make claims for any damage to your vehicle or person. It’s the minimum level of coverage required to drive legally in the city.
Third Party Fire and Theft: This will not protect you or your car if you are at fault in an accident but it will provide coverage for attempted theft, theft, or fire damage. It covers passengers in your car if they sustain any injuries as well as other people and property if they are in an accident for which you are at fault.
Comprehensive Insurance: is the highest level of cover that protects you, your car other people, and their property in the event of an accident.
- Use The Right Job Title
When filling in your job description it is important to be truthful. However, certain jobs are considered by insurers to be riskier than others. For instance, you could be a cook or a chef, no difference perhaps but one description could potentially increase your premiums.
While searching for affordable car insurance in Inverclyde do well to think about how you can describe your role but do not be misleading when getting quotes.
- Add A Secondary Driver To Your Policy
If you are under the age of 25, have recently passed your MOT test, or have previous claims and violations on your record, insures will group you into a high-risk category.
If you belong to one of these groups, you may be able to get affordable car insurance in Inverclyde by adding a responsible and more experienced named driver to your policy.
- Consider Black Box Insurance
If you are a confident driver, black box insurance is another ideal way to save. The black box policy includes a small GPS-enabled device installed in your car to monitor your driving.
It encourages safe driving and makes your car easier to locate if it is stolen. The data collected from the black box reveals the quality of your driving such as speed, the time of the day you’re driving, and how sharply you brake.
Your insurance provider uses this data to set your premium. The more careful you are, the lower premium you will have.
- Protect Your No Claims Bonus
You earn a no claims bonus with every year you drive without making a claim on your insurance. Typically from around eight years, a no claims bonus can result in savings of up to 80% on your insurance costs.
Although there’s no way to speed up the process, you can increase your chances of getting cheaper car insurance in the future by protecting your no-claims bonus.
- Pay Upfront
Do you know that paying your car insurance in monthly installments costs you a lot more on car insurance? Paying upfront can be a big hit to your bank balance but will save you a significant amount over the year.
Depending on the provider, paying the annual cost up front could save you 20% or even more on premiums.
- Compare Quotes From Multiple Insurers
Comparing quotes has proven to be one of the best ways to get affordable car insurance in Inverclyde. You may be happy with your current provider, but there’s a possibility that you’ll save on your renewal cost by shopping and comparing insurers.
If you are categorized under the group of high-risk drivers in Inverclyde, it’s normal to have high premium costs. However, you can still get affordable car insurance in Inverclyde which gives you sufficient coverage by following the steps provided above.
Remember the ultimate way to save on car insurance premiums is to drive safely. You can also take a defensive course for added benefits.
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