Tuesday, September 12, 2017

5 Tips To Get Cheap Car Insurance For Young Drivers

September 12, 2017 0
Getting cheap car insurance for young drivers in not easy and many parents worry about it. Many parents buy expensive car insurance for young drivers because of proper knowledge. Apart from the riskiness of teen drivers, following these 5 tips you will be able to find cheap car insurance.
5 Tips To Get Cheap Car Insurance For Young Drivers
5 Tips To Get Cheap Car Insurance For Young Drivers 

Cheap Car Insurance For Young Drivers, Cheap car insurance

1. Installing Safety Features
Auto insurance companies may first check how safe the car the young driver is driving. Having many safety features in the car is considered to get car insurance that is cheap. Install anti-theft device in your car and try to install other safety device. This is the easiest way to reduce your insurance rates.

2. Having A Good Student Discount
Another way to find cheap car insurance for young drivers is having a good score in class. Auto insurance companies offer discounts for those who have an average B or above in class. Young drivers can get discount and save up to 15% by simply just maintaining good grades in school.

3. Attending Driver Safety Courses
If you don’t have any safety course certificate then attend motor vehicle accident prevention course. Also try to attend other safety courses approved in your state and provide the documents that you successfully complete the courses and you will get cheap auto insurance from the company.

4. Purchasing Low Cost Or Used Vehicles
High performance car usually carries high insurance rates, so avoid buying luxury, sports cars or light cars. If you are going to insure old or used car, car insurance companies may give you the insurance policy that re cheap.

5. Considering Higher Deductibles
If your insurance has a higher deductible, you can lower the insurance rates, but you may have to pay more expense after the accident.

Cheap Car Insurance Company For Young Drivers

Among the thousands auto insurance companies there are few car insurance companies which offer insurance package  specifically for young drivers. The best auto insurance company for young drivers is Nationwide. Young drivers have an accident and its simple to consider, but this will increase drivers’ insurance rates 25%-30%. If you insure your car with Nationwide, you can save money and don’t have to pay increased rates by it’s accident forgiveness package.

Though getting cheap car insurance for young drivers is tough, but if you follow these tips then you will find the cheapest auto insurance for teen drivers.

List Of Car Insurance Companies In USA

September 12, 2017 0
here is our list of car insurance companies in the USA. To find the best cheap car insurance, drivers have to shop around and compare car insurance quotes collected from different auto insurance companies.

Why Car Drivers Need The List Of Auto Insurance Companies
To check what auto insurance companies are available in their state, car drivers need to visit the websites or local offices of these insurance companies. Because drivers may find the selected car insurance companies is out of service or have no business in their states.

To get cheaper car insurance, auto drivers need the list because they cannot be sure that they are going to buy  the cheapest auto insurance if they select only one insurance company to shop. If drivers get car insurance rates from  as many companies as possible, they can compare car insurance companies and buy the best ones that are cheap.

To get the options, because if car drivers have any problem with their current auto insurance companies, they can switch to another one.

The List Of Car Insurance Companies In USA
List Of Car Insurance Companies In USA
List Of Car Insurance Companies In USA
Among these auto insurance companies there are the best five car insurance companies in USA. If you really want to buy the cheap car insurance and want to find which is the top rated car insurance company, search and go to these website and compare the insurance rates. 

Car Insurance Quote - Things To Know To Get Very Cheap Car Insurance And Quotes

September 12, 2017 0
Car Insurance Quote - Things To Know To Get Very Cheap Car Insurance And Quotes

Auto insurance premiums vary widely from state to state and even within states. The same person may find swings of as much as $700 on the cost of an annual policy. Insurance agents are not legally bound to tell a perspective customer about discounts which may apply to his/her insurance. There are, however, things the consumer can do which may lower the price paid for auto insurance.
Car Insurance Quote - Things To Know To Get Very Cheap Car Insurance And Quotes
Higher deductibles

The single quickest and easiest way to lower your insurance premium is to raise your premium. Having a $1000 or even a $1500 deductible can lower premiums 15 to 20 percent. If you decide to go this route, consider putting the money saved the first year into an account earmarked to pay the deductible should you have any accident.

Investigate auto records

Your driving record may be unblemished but the record of the car model you own can also have an affect on your premiums. Insurance copies compile extensive reports on the way cars respond in accidents and how popular certain cars are with thieves. Cars with poor crash test ratings and cars that are frequently stolen cost more to insure. When buying a new car use an auto buyer’s guide to compare crash test and theft rankings.

Use the same insurance company

If you have more than one vehicle insure all of them with the same company. Almost all insurance companies offer multi-car discounts. Many companies offer further discounts if you use any other products they offer such as homeowners insurance and life insurance.

Getting many quotes and comparing them is the best way to check pricing, coverage and save money.
And, don’t forget, the best way to lower your car insurance premium is to drive safely.
Please see our recommended sources for insurance quotes from multiple providers. We have done the research so you don't have to.

Car Insurance Quotes Online – Money Saving Tips

Auto insurance is a must for all automobile owners, which repay you in case your automobile is stolen or damaged in an accident. Most people complain about the high prices of auto insurance policy.  Here we offer you some money saving tips with the help of which you can get the best car insurance quotes online as well as best auto insurance policy.

If you are a new car owner or your previous auto insurance policy needs a renewal then it’s time for you to search for a new one. You will be surprised to know that different insurance company offers different premium for the same coverage. Thus, it is in your interest to find a low premium, more coverage best auto insurance policy. Local market search will be not enough, go to the websites of auto insurance companies and request for car insurance quote online.

While requesting for car insurance quote online provide all your details to the auto insurance company such as your name, age, zip code, address, your marital status, car’s annual commuting miles and safety features of your car because as default they will surely offer you high car insurance quote online.

Your credit history matters a lot for auto insurance companies. Reviews of insurance companies have shown a correlation between credit scores and risk to an insurance company. Thus, manage your credit score to a positive level before requesting for a car insurance quote online.

During the request for car insurance quote online keep an eye on discounts provided by auto insurance companies, mainly on their websites. With offered discounts, you can drop your premium.

If you have a life insurance policy or health insurance policy or any other insurance, it is recommended to ask the same insurance company for auto insurance. They will surely provide lower car insurance quote online, as you are their client.

By following all these recommendations, we are sure that you will be able to buy the best auto insurance policy to protect your car, truck or any other vehicle against theft or damage.

Car Insurance: Types of Insurance You Need to Understand

Car Insurance Policy
With all this traveling in and out, back and forth around the maze that is the United States infrastructure, its easy to understand why auto insurance is required in order to own an operate a car. For car buyers, an effort needs to be made on the part of insurance companies to provide information on the different types of auto insurance available. These include bodily injury and liability, collision, comprehensive, full glace, liability, medical coverage, personal injury protection, and underinsured or uninsured motorist.

Liability insurance coverage is imperative to have as a driver. This insurance covers any injuries or damages to property that may occur during an accident. Two types of liability include bodily injury liability insurance and property damage liability insurance.

Medical insurance is different in that it focuses on the driver and passengers of the car. This will cover any medical treatment for the driver and the passengers. In addition, the medical insurance may or may not offer disability insurance and pain and suffering compensation.

Uninsured or under-insured drivers insurance will pay any costs that you or your passengers may experience if an accident should occur with a driver who is uninsured or underinsured.

Collision insurance deals with the cost of damage caused by a collision to your car that may affect the book value. Comprehensive deals more with damage caused by vandalism, natural disasters, theft or other kinds of damage.

There are several other types of car insurance. These include glass replacement insurance, towing insurance etc. These types of insurance are often not required and are not popular as they are often costly.

Now that you know what types of car insurance are out there, the next step is to find a credible insurance agent. The first place to investigate this is through family and friends. Referrals will help you sort those agents that you want to investigate further. You will want to speak with several different agents before you make your final decisions. Ask any and all questions you may have. That is what the agent is there for.

Monday, September 11, 2017

How to Get Cheap Car Insurance Quotes

September 11, 2017 0
How to Get Cheap Car Insurance Quotes | A decent part of the aggregate world populace have no less than a motor vehicle. In the event that you have to get your own, lease or financing a vehicle additionally collision protection. The least demanding approach to look for protection for vehicles is by getting various auto insurance quotes. 

Car insurance is the wellbeing net, which we require if something terrible like an engine vehicle mischance, flame, surge or burglary happens. Some car insurance quotes incorporate every one of the extravagant accessories, however in the event that it cheap insurance, what you are searching for, you need to deliberately. This is on the grounds that quotes not going modest auto protection to all, that would a more costly strategies. Basically, you are the absolute minimum level of security, you require scope for your vehicle. 

How to Get Cheap Car Insurance Quotes

How to Get Cheap Car Insurance Quotes

There are two essential approaches to get auto insurance quotes and incorporate diverse accident coverage organizations call or recover cites from insurance agencies over the Internet. Before you begin that need to get cites you give some individual data to have get a precise auto insurance quotes. You require things like driver's permit data, government managed savings number and a location. 

The easiest way to get the cheapest car insurance quotes is by picking a high deductible. The deductible is the part that you would pay you a call. In the event that you have a few funds in the Bank and would you be able to bear to pay the deductible as required, then it can guarantee less expensive every month to your vehicle. On the off chance that you have a ton of cushions, similarly as investment funds go, would you be able to pick a lower deductible, however this your protection premium will turn out to be more costly. 

Their driving history assume a noteworthy part in the amount you pay for collision protection. In the event that you have the late mischances, occurrences or cases, it is more to your car insurance quotes. On the off chance that all of you have late episodes or mishaps, it will make your costs lower. 

Another imperative element that verifies that your cost is the amount of scope you pick. Indisputably the base will give you a less expensive however choice increments normally higher measures of scope collision auto insurance premium you pay. 

The vehicle you drive will likewise influence, what amount do you pay for auto protection. A fresher vehicle is more expenses, while a more seasoned vehicle of less cost. This is vital to consider when you are available to purchase another auto. A marginally utilized auto are somewhat less expensive than to guarantee a totally new vehicle. 
Auto insurance quotes is presently much simpler than some time recently. Can get bargains online whenever of the day happened, and it takes under 10 minutes. Calling from accident protection organizations is additionally a supportive approach to get auto insurance quotes  since all of you the inquiries that may come.

Cheap Full Coverage Auto Insurance Online

September 11, 2017 0
Many car owners avoid buying full coverage policies because they think they are too expensive. Or they’ve checked with their current carrier and were intimidated by a pricey quote.
But you’ll be surprised how affordable full coverage auto insurance can be. Auto insurance carriers are eager to sign up new customers, so competition is fierce to offer prices that are attractive.

Full Coverage Auto Insurance

Full coverage auto insurance generally refers to policies that include collision and comprehensive insurance — which actually cover very specific risks — in addition to liability insurance.
If you finance your car, your lender might require you to buy full coverage auto insurance. Aside from that, comprehensive and collision are optional, although some insurers don’t let you add one without the other.
Comprehensive and collision coverage are particularly sound investments if:
  • have a new or expensive car.
  • regularly commute in heavy traffic.
  • live in a place with extreme weather, high car theft rates or a high risk of animal collisions.

However, the older your vehicle and the lower its value, the less benefit there is to having full coverage. 

Full Coverage Auto Insurance Limits

When you buy a full coverage auto  insurance policy, you and your insurer will settle on the payout limits for the individual parts of the policy. Usually, a policy has separate limits for medical bills, repair bills and collision/ comprehensive coverage, so it is important to know all of them. Limits can range from $10,000 to $300,000, but there are always limits. 

For example, if you have a $50,000 limit on your personal injury liability coverage but you cause injuries totaling $150,000 in an accident, you will end up paying $100,000 out of pocket.  To protect yourself better, you can select higher limits, but this will, of course, also raise your monthly premiums.

Full Coverage Auto Insurance Deductibles

Also be aware that during any insurance settlement you will also need to pay the deductible. Thus, no matter how high your insurance limits are, you will still be liable for the predetermined deductible you and your insurer agreed on.

Affordable insurance coverage options include:

Auto insurance liability coverage

Liability insurance coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others' medical costs and lost wages subject to policy coverage provisions and limits. Liability coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.
Collision coverage
Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

Uninsured or underinsured motorist coverage
Even with full coverage, there are other policy options you might need. For example, uninsured motorist protection, towing and labor service, and medical payments insurance all provide coverage that collision and comprehensive won’t.

Uninsured or underinsured motorist coverage helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured motorist coverage also helps pay your medical costs and your passengers' medical costs if an accident caused by an uninsured or underinsured driver results in injury. 

This car insurance coverage may also pay for lost wages and other damages. Auto coverage varies from state to state and is required in some states.

Medical payment coverage
If you are injured in an accident, medical payment coverage can help pay for your medical expenses.

Comprehensive coverage
When used together, comprehensive and collision coverage are great ways to protect your vehicle. Comprehensive coverage may cover damage to your vehicle not caused by collision.

Additional types of insurance coverage
Designed to protect you against the unexpected, these coverage options include roadside assistance if your car breaks down, towing and labor if you're stranded and rental reimbursement to cover the cost of a rental car while your vehicle is in the shop for accident-related repairs.

How Much Average Cost for Full Coverage Car Insurance

According to the Insurance Information Institute, the USA average for a full coverage policy is $70.10 per month*. However, how much a full coverage policy will cost you will most likely vary quite a bit above or below the average depending on many factors.

The driver always plays an important role in establishing the price of a policy. Insurance companies will always try to determine how much of a risk you are, i.e. how likely you are to be involved in an accident where they would have to pay. They will look closely at your driving history. DUIs, speeding tickets and previous accidents are sure to increase your premium significantly. Other factors such as your age, gender, experience, the make of your car and where you live also play a role based on statistics of drivers that fit your description.

These additional variables mean that you and a friend can go to the same company and buy the same full coverage auto insurance policy with the same services on it and your premiums will be different. This makes it difficult to establish the true price of a policy without getting a full quote.

In order to find the company offering the best deal, the important thing is to get as many quotes as possible for the same level of coverage.

How to Find Cheap Car Insurance

September 11, 2017 0
Cheap Car Insurance
The best way to find low cost insurance is to get insurance quotes from several different companies and then you can see what the cheapest rate is. Here is a list of some things that contribute to the cost of your insurance. 

The first factor would be the area in which you reside. 

Insurers look at your neighbouring area. If your area has many accidents it will affect and increase your premium rate. Most of the time, you will find more fender benders in inner city area. In rural areas you might find more severe accidents. The reason for this would be because of the higher speeds on the open highway. 

The second factor would be the type of car you own.

If you have an older vehicle with some damage your insurance will obviously be cheaper. Owning an expensive sports car will surely increase your insurance rate. 

The third factor would be young driver discounts. 

Some companies offer discounts for good students with a 3.0 grade point average as well as drivers training discount. If you put the two together the discount can be quite significant. 

The fourth would have to be matured driver and retired discounts. 

Some companies can offer retirement discounts and mature driver discounts to lower the rates for senior citizens. 

These were just a few things that can contribute to your insurance rate. Be sure to ask about any discounts when shopping for your car insurance. Think about where you live, your vehicle and how you arrange your coverage. If you do a little more research and educate yourself it will help you get the insurance that is right for you, and an insurance that will save you more money. So go out inform yourself and save money on your car insurance!

How to Find Cheap Car Insurance

With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance.  When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.

For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs?  A good driving record will allow you to get cheap car insurance?

The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.

Many times you can get cheap car insurance by combining policies with you existing insurance company.  For example if you have a home owners insurance policy contact them and  ask for discounts for switching your car insurance to them.  If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them.  Most insurance companies are very accommodating to these requests.

It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies.  As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work. 

Whatever your motivation, with a little work you too can find the cheap car insurance you're looking for.

10 Tips to Find Cheap car Insurance Company

September 11, 2017 0

10 Tips to Find Cheap car Insurance Company

Tags: auto insurance, car insurance, cheap auto insurance, insurance, insurance company, insurance policy

There is a cost associated with driving in today's world, not the least of which is the essential car insurance . One of the mysteries of the world leadership is that people will spend months looking for the car in many cases , but they choose the first car insurance company that comes into their mind. It is just as stupid as buying a first car you see , because finding affordable car insurance should be a major concern for any driver . The good thing for consumers is that the Internet facilitates this process . Looking for auto insurance quotes online is easy and it is the first step to get great coverage. Here are seven things you should keep in mind when choosing a car insurance provider .

1 . How to provide the car insurance package?

Looking for a good cheap insurance , but you need to ask more than just price. When most people are looking for car insurance quotes , they are only concerned with the bottom line . There are many things to know about your insurance package , though. One of them has to do with how much coverage you get for your money . Quote online car insurance should include information about your deductible, and what things will include coverage . You do not want to end up with an awkward situation if you happen to get in an accident a few years down the road . The most comprehensive coverage , the better. When you apply for auto insurance quotes , it is easy to ask about all these things.

2 . What kind of bonuses and discounts are available for your car insurance ?

When you see the cheap car insurance , you'll definitely want to keep an eye on the premium that suppliers may be willing to throw his way. If this is your first shopping for automobile insurance of the time, then you are probably a little green on the inner workings of the process. What you must understand is that the rate quote is not always the final factor in the cost. Many companies will provide car insurance quotes , but they will also offer discounts for certain things. This could take the form of cash payments for such things as the prevention of accidents and tickets or to obtain a good value if you are a learner driver . For car owners with young people on their level, this is definitely something to keep in mind the 9Power insurance .

3 . Does my insurance cover cheap car small things ?

A cheap car insurance package covers only the bare bones , while others cover almost everything. If you want a solid plan , then you must keep in mind an auto insurance company that covers the little things , too . What happens when you crack your windshield ? Will they pay to fix it, or you will pay $ 200 for yourself? It may not seem like a big deal when you are shopping for coverage, but you can be sure they will be a problem for you if you really have to face the music in a difficult situation. You must ensure that your application for a car insurance quote to explain these things.

4 . Keep the law

One of the main reasons for auto insurance is that you want to stay legal . Many companies make their marketing approach is entirely based on the fact that the drivers need to have auto insuranceto legally drive their car . As a driver , you should know a few things about your own preferences before you make your search . Looking for the best coverage or you want to stay legal ? Do you want something in between? At the very least , you should get sufficient coverage to be driven right . How much car insurance depends on your country, it is up to you to know the rules before signing with the supplier.

5 . assistance aid and all additional car insurance

Find cheap auto insurance online is great, but you must ensure that you put in an additional due diligence on that usually go with auto insurance. What are your online car insurance quotes can not tell you what comes with insurance packages . One thing drivers should seek from their supplier is a kind of roadside assistance. It may be free , roadside assistance 24 hours, or perhaps something less complete . It will really make you feel better that the owner of the car, especially if you make a vehicle for someone a little younger . There are car insurance cheap there to cover it, so you do not have to break the bank.

6 . How long will change the price of my

Car insurance quotes just a starting point for your policy . This is what you can qualify for this moment , and it is really good that the right kind of information is available on the Internet. But what happens if you get a ticket? How long will you level up and how they come up ? The good side of this is what happens if you go one or two years without getting into an accident or a ticket? Are your rates will go down ? Providers have a way to help you with the bonus of road safety? These are questions that you need to get answers before signing any agreement. The most affordable auto insurance have some sort of account of the rate of change , but it is better to get this information on the front.

7 . Considerations cheap auto insurance costs

It goes without saying that everyone wants cheap insurance. With online search hard for such a affordable auto insurance coverage, you could look for your own vehicle, you have a better chance comes at a reduced cost. There is no reason to pay a lot of money for car insurance . With all the competition in this market and how easy it is to shop for a variable rate , you might end up with something that is affordable if you are willing to put even a small amount of work in your search. As with the purchase of consumer goods , the best deals are reserved for those who watch the most difficult for a supplier to auto insurance online insurance 9Power .

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Thank you to read the article "7 TIPS FOR CHOOSING CAR INSURANCE COMPANY" after my last update, entitled "HOW TO FIND CHEAP CAR INSURANCE PROVIDERS" in CAR INSURANCE QUOTES blog.

Tips To Cheap Car Insurance Premiums

September 11, 2017 0
Car insurance is compulsory,  but it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money at renewal time.

Cut the Risk and Cut the Cost Car Insurance

The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.

Security Means Savings

Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.

Annual Mileage, Less Means More in Your Pocket

If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.

Named Drivers Trick

Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!

Shop Around and Save Even More

The biggest car insurance savings come from shopping around. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car insurance company for more specific quotes.

So next time your renewal quote arrives, don't just accept it and give your money away to the insurance company. Use the steps above and get the right cover at the right price.

Tips To Cheaper Car Insurance

1.Buy from the internet.

Most companies offer a discount for online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.Click here to get a instant online insurance quote

2.Shop around.

All insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you.By shopping around you could find big savings on your insurance premium.

3.Buy extra products.

Most insurance companies also do other insurance products ie"Building's and content's insurance".Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.

4.Pay your insurance premium in one go.

By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments.Some insurance companies may charge as much as 15% APR on instalments.You may even receive a discount for paying in full.If you can not afford to pay in full check out what rate a small loan would be you may still save some money.Fill out a online loan application.

5.Increase your voluntary excess.

Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.

6.Lower your annual mileage.

Lowering your annual mileage can reduce your premium,most insurance companies will quote you for around 12,000 miles a year.Try and work out how many mile's you will do if it's likely to be less you may get a discount.Be honest about this as your insurance company may ask to see old MOT'S and service history to verify your mileage in the event of a accident.

7.Have a Alarm,Immobiliser or Tracker fitted.

Theft of and from your vehicle play a major role in the calculation of your insurance premium.Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.

8.Take the advanced driving test.

Passing your advanced driving test will show your insurance company that you have extra skill when driving and are less likely to be involved in a accident.

9.Don't inflate the value of your car.

Adding extra value to your car when you apply for your insurance quote will do nothing for you apart from increase you premium.In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.

10.Look after your credit rating.

Insurance companies are now looking at your credit score as part of the calculation for your insurance premium.Maintaining a good credit rating could avoid unnecessary additions to your premium.

11.Insure your car Third Party Only.

Third party only is the minimum cover you are required to have by law it's also the cheapest.If your vehicle is of a low value then you could consider this type of cover.You need to remember that with this type of cover if you was to have a accident that any damage to your vehicle would not be covered for repair.

12.Keep a clean licence

Insurance companies take driving convictions very seriously and can dramatically increase your car insurance premium,by maintaining a clean licence proves to the insurance you are a safe and careful driver.

13.Remove any unnecessary drivers.

If you have a young driver on your insurance policy that no longer use's the vehicle you should remove them as this will reduce your premium.

14.Young driver's add a older driver.

Some insurance companies will reduce young drivers premiums if they have a older named driver on the insurance.

15.Build up your no-claims discount

One of the biggest factors affecting your car insurance premium is the number of years no-claim's discount.You could receive up to 75% discount for around 5 years of no claims.The more years you can stay claim free the safer driver your insurance company will see you as.

16.Protect your no-claims discount.

Although this will increase your insurance premium if you have a lot of years of no-claims you may want to protect this as a small claim may increase your premium by up to 75%.

17.Buy a lower insurance group car.

A very important factor to your insurance premium is what car you drive.Most insurance companies adopt the Association Of British Insurance Group Rating.This rates vehicle's from 1 - 20 generally speaking the higher the group the higher the premium.By buying a car with a lower group rating can lower your premium especially for young or inexperienced drivers.

18.Join a car club.

If your vehicle is a classic or specialist consider joining a club related to your car most clubs offer insurance schemes which have very good premium rates.

19.Put your spouse as a named driver.

Some insurance companies offer discounts when you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.

20.Take pass plus.

If you are a new driver consider taking your pass plus.some insurance companies could give you as much as a 25% discount and when you have just passed your test and have no no-claims this could make a considerable saving.