Finding the best Car Insurance deal for you can be a daunting task. By keeping certain factors in mind, you can greatly reduce your rates.
Written By: Chelsea PetersenHere are 7 tips to ensure you find the best possible deal on your insurance.1. Pick A Cheap Car To InsureWhen buying a car, insurance should be a primary consideration. Sportier, luxury cars are always more expensive to insure. Even with more low-risk cars, however, there are various factors that insurance companies take into account. These can include colour, engine-size, and itspopularity among thieves. 2. Look Around And Compare QuotesThe best way to find the best, most affordable deal for you is by shopping around. Get quotes from as many companies as possible; a comparison site should be your first port of call. Compare Guru finds the most affordableinsurance dealsfor your specific needs.3. Avoid Modifying Your CarCar modifications are often appealing to younger drivers, especially on smaller and more simple-looking cars. Unfortunately, car modifications can increase Insurance premiums by a significant amount.4. Add a Named Driver to Your PolicyFor younger drivers, a lot of money can be saved by adding an older, more experienced driver to the insurance policy as a secondary driver. The reverse also applies here. Older drivers can expect to pay higher premiums if a more inexperienced driver is added to the policy5. Increase the Cars SecurityInstalling any extra security features in your car limits the risk factor, and can reduce your premium. Even parking in a garage or an enclosed driveway can minimise risk, and tip the charges in your favour.6. Change Your Driving HabitsReckless drivers are a huge liability in the eyes of insurance companies; a driver with multiple speeding tickets will see that reflected in the cost. A clean driving record will get cheaper insurance cover.7. Watch Your Credit ScoreWhile it may seem like a stretch, most insurance companies use credit scores as a factor in determining rates.Bad credit scoresare associated with irresponsible drivers that are more likely to file a claim, and incur steeper premiums.