There are several other things that you can do. One of these is to take an advanced driving course before applying for insurance. Not only will this greatly increase your confidence and skill behind the wheel, but it also shows insurers that you know how to handle your vehicle. Peace of mind goes a long way toward lower premiums.
You can also add a low-risk driver, such as a parent, as your second driver (again, not your main driver). An older driver is more experienced on the road, and if they have a good track record themselves, their presence will certainly aid your cause.
Adding extra safety features to your vehicle (or if it didn’t have any to begin with) such as an alarm, tracker or immobiliser will also lower your premiums. Avoid flashy modifications or expensive sound systems. Avoid the VW Polo Vivo, or any other vehicle high on the common criminal wish-list.
Remember that insurance will always be cheaper when you park your car in a safe place, such as a locked garage. If you don’t drive it all that often, or in heavy traffic, or long distances through high-crime areas, this all minimises risk.
Many insurers will also allow you to pay your premiums per year, instead of month-to-month, and it’s advisable to do this if you can afford it. The savings on that monthly interest you’ll be paying, otherwise, is nothing to be laughed at.
Lastly (and we said we would come back to this later), it’s important to remember that the cheapest insurance options aren’t always the best. They’re often very cheap for very good reasons, so never look at the price tag alone. Don’t sacrifice quality of cover just to save a few extra bucks. It’s always best to base the type of insurance you’ll go for, and which company you acquire it from, on your specific, individual needs.
We would advise that you compare insurance quotes, shop around, and speak to a knowledgeable broker about your needs and financial plans.
Our Gurus are here to guide you, absolutely free of charge. Ask a thousand questions, ask a thousand more, and don’t make a final decision until you are 100% confident in your choice.