5 Ways to Reduce Your UK Car Insurance Premium

If you are looking for a great way to save money on your UK car insurance premium, you are not alone. Car insurance is a legal requirement mandated by the European Union, and your car lender may also impose an additional requirement for cover on you. Of course, even if you did not have these requirements in place, you may still purchase car insurance because of the financial protection it can provide if you get in an accident, if your car is stolen and more. There are a few key ways that you can save money on your coverage. Check out cheap car insurance by Express Insurance.

1. Drive Safely

Driving safely can pay off in multiple ways. When you drive the speed limit, adopt less aggressive driving habits and follow the rules of the road, you will cause fewer accidents and may be able to prevent accidents that others may cause you. This can result in an improved driving record that results in lower car insurance rates. In addition, you may also qualify for a no claims discount for added savings.

2. Purchase the Right Cover for your Needs

You can save money on your UK vehicle insurance premium by only buying cover that truly benefits you. For example, if your car is paid off and has a low replacement value, buying more expensive cover like comprehensive cover or a fire and theft policy may provide little benefit. This is because these more expensive types of cover only will pay out the equivalent of your vehicle’s replacement value. Talk to your insurance agent about the right cover for your needs to save money.

3. Increase Your Policy’s Excess

It is common for a car insurance agent to recommend a middle-of-the-road excess amount. This provides you with a premium that is rather affordable as well as an excess amount that you may be able to reasonably pay if you get into an accident. However, you can increase your excess over this amount for savings on your premium. If you choose to increase your excess, ensure that you have the financial means necessary to pay the excess if needed.

4. Shop for Lower Rates

If you are not happy with your car insurance rates, you can certainly compare your current rate with other offers. By shopping around, you may be able to identify significant savings with another insurer. The easiest way to request a quote is through an insurer’s website to get anywhere near to budget car insurance.

5. Discounts

If you are shopping for lower vehicle insurance rates, be sure to compare discounts that are offered by different insurers. By researching the discounts available and requesting that they be applied to your quote, you may be able to find further savings on your insurance premium. Also, you can find AAA discounts to cover things that are normally too expensive on your insurance policy like lodging and roadside assistance. If you stick with your current insurer for a long period of time, be sure to see your loyalty rewarded!

Saving money on UK motor insurance is something most drivers want to do. By following these tips today, you could be enjoying the benefits of a lower premium tomorrow.

 Photo by: RaeAllen
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