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How to save money on car 保険: Ten 最高の，を越す tips to 削減（する） the cost in just a few minutes

Many drivers stick with the same 保険会社, even with 記録，記録的な／記録する high 賞与金s?
Tips to 削減（する） the cost of your car 保険: from 指名するd drivers to 超過s

Updated: 16:40 BST, 10 January 2024

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Drivers are 存在攻撃する，衝突する by a wave of sharp car 保険引き上げ（る）s at 再開 time.

They could 潜在的に save hundreds of 続けざまに猛撃するs a year on car 保険 by switching provider, yet most stay on the same 政策 and 支払う／賃金 far more than they should.?

Car 保険賞与金s rose 29 per cent in the year to November 2023, reaching a 記録，記録的な／記録する普通の／平均（する） high of ￡561.

保険会社s were ordered by 監視者 the 財政上の行為／行う当局 in 2022 to stop ramping up prices for loyal 顧客s at 再開, but many drivers are still seeing 賞与金s rise 大幅に at 再開 two years on.

Even if yours doesn't, your 現在の保険会社 may not be the cheapest and best for you and it's still 価値（がある） checking prices.

Comparing car 保険 prices 経由で comparison 場所／位置s is 平易な, and you can check the best prices across a 抱擁する範囲 of 保険会社s in いっそう少なく than five minutes. 顧客s are also able to compare the 質 of the 政策s 申し込む／申し出d, and see whether they 代表する a better 取引，協定 than their 現在の provider.

But switching isn't the only way to help 減ずる your car 保険 costs. Follow our ten steps below and see if you could lower your 賞与金s その上の.?

運転者s are encouraged to shop around for their car 保険 to see if they could save

1. Shop around for the best 政策

This is the number one way to save on car 保険. Drivers can make 貯金 of hundreds of 続けざまに猛撃するs if they shop around when 新たにするing their cover.

An online comparison service can do the hard work for you. Put in your 詳細（に述べる）s and check the prices that come up. You can alter the 超過 that you are willing to 支払う／賃金 and the mileage you will 運動, and get new 引用するs.?

Getting a 引用する is 平易な using price comparison websites.?

運転者s are 勧めるd to 確実にする they are comparing like-for-like. Some 政策s may seem cheaper on the surface, but on closer 査察 they might not 申し込む／申し出 the same level of cover when you have to make a （人命などを）奪う，主張する.

It is also important to check the 保険会社s that don't feature on comparison 場所／位置s, such as Direct Line.

If you've been happy with the cover your 存在するing provider has given until now, but are unhappy with their 再開引用する, let them know the best 申し込む／申し出 you have received from a 競争相手保険会社 and ask them to at least match it.??

顧客s should also be aware that 保険会社s will try to 含む行政料金s for changes to a 政策中央の-称する，呼ぶ／期間／用語. This 料金, usually between ￡25 and ￡50, will be 追加するd if you change a 乗り物 or your home 演説（する）／住所.

However, you can ask for the 料金 to be waived if it is a minor adaptation, such as changing from a 正規の／正選手 number plate to a personalised 登録 number.

Can you save money on car 保険?

Car 保険法案s have a habit of creeping up, so comparing prices for the best 取引，協定 is a wise move.?
New 支配するs introduced to stop 保険会社s bumping up 再開引用するs 港／避難所't had the 願望（する）d 影響 and it still makes sense to check for better 取引，協定s on the?comparison 場所／位置s.?
This is Money 示唆するs you try at least two of these:
MoneySupermarket*
混乱させるd.com*
GoCompare*
Uswitch*
Mail 財政／金融?
Also check Direct Line and Aviva, which?do not appear on compa rison 場所／位置s.
Car 保険: can you save money??
> Tips to 削減（する） the cost of car 保険?
> Beware of these sneaky car cover 料金s?
(v)提携させる(n)支部，加入者 links: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. This does not 影響する／感情 our 編集（者）の independence.?

2. Consider a telematics (黒人／ボイコット box) 政策

黒人／ボイコット box 政策s are where the 保険会社任命する／導入するs a system in your car to 監視する your 運動ing. This is designed to reward those who 運動 carefully.

Many of these 装置s are 目的（とする）d に向かって younger 運転者s, who can 劇的な減ずる their high 賞与金s by 任命する／導入するing one and 証明するing themselves a sensible driver.?

However, any 運転者 is able to get one. 公式に called telematics, these 装置s check your 速度(を上げる）, how 積極性 you 加速する and ブレーキ, and how 慎重に you 運動.?

They also 記録，記録的な／記録する whether you are on the road at 'dangerous' times, for example in the 早期に hours of the morning.

They can 削減（する）賞与金s 大幅に once you start 証明するing you are a good driver. Some 保険会社s even 申し込む／申し出 an upfront 割引 if you take out a telematics 政策.

3. Be careful of how many drivers are 指名するd

Another way to 削減（する）賞与金s is to 確実にする that only 正規の／正選手 drivers are 指名するd on the 政策.?

追加するing a young, inexperienced driver can be a 誤った economy, 特に if you have a large or higher-力／強力にするd 乗り物.

The 賞与金 will be 影響する／感情d by the youngest driver, and he or she may not have a no-（人命などを）奪う，主張するs 特別手当.?

保険会社s have also been 割れ目ing 負かす／撃墜する on 前線ing, where parents insure cars in their 指名する for children to 削減（する） costs.?

Make sure if you are the policyholder on a car driven by your children that you are 現実に its main driver - or that you 宣言するさもなければ.?

You can always 追加する someone for a few days when they really need to 運動 the car.

運転者s should 避ける putting 時折の使用者s on their 政策 long-称する，呼ぶ／期間／用語, as it could be pricey

4. 支払う／賃金毎年

When taking out a new 政策, drivers will be given the 選択 to either to 支払う／賃金 for the whole year upfront or in 月毎の instalments.

Many 選ぶ for the 月毎の支払い（額）s as it means not having to part with a large sum of money in one go ? but if you can afford to 支払う／賃金 your 年一回の賞与金 upfront, you could save money.

This is because your 保険会社 may 告発（する），告訴（する）／料金 you 利益／興味 on the 月毎の instalments. It is 価値（がある） asking them if there is a difference and if so, what it is.

5. 保護する your no-（人命などを）奪う，主張するs 特別手当

A long no-（人命などを）奪う，主張するs 特別手当 is the 選び出す／独身 best way of cutting car 保険 costs, so 保護する it.?

保護するing your no-（人命などを）奪う，主張するs 特別手当 means you can （人命などを）奪う，主張する on your car 保険 up to a 明示するd 限界, or in 確かな circumstances, without 影響する／感情ing the 特別手当.?

This may 増加する the 賞与金 by a few 続けざまに猛撃するs, but this fades into insignificance against the 可能性のある loss of a 90 per cent 割引 on a 賞与金 of several hundred 続けざまに猛撃するs.

However, the 鮮明度／定義 of a 保護するd no-（人命などを）奪う，主張するs 特別手当 can 変化させる広範囲にわたって between 保険会社s.

Though 事故s 原因（となる）d by another driver will 普通は have no 衝撃 on such a 特別手当, those 原因（となる）d by the insured driver could. The 重要な is to always check the 政策 carefully.

Fitting an 認可するd alarm, immobiliser or 跡をつけるing 装置 can attract a 割引 of around 5%

6. 増加する your voluntary 超過?

Car 保険超過s are made up of two parts, the voluntary 超過 and the compulsory 超過.?

The voluntary 超過 is the 量 a driver agrees to 支払う／賃金に向かって the cost of a （人命などを）奪う，主張する, and it can be changed when getting a 引用する or buying a 政策. When a driver 増加するs the voluntary 超過 it usually results in a lower 賞与金.

一方／合間, the compulsory 超過 is 始める，決める by the 保険会社 and cannot be changed or 交渉するd.?

When a driver gets an 保険引用する, the 保険会社 will look at the （警察などへの）密告，告訴（状）供給するd and decide how much of a 危険 the driver is based on age, 運動ing experience, type of car, any previous （人命などを）奪う，主張するs and other factors.?

If the driver needs to （人命などを）奪う，主張する, the two 超過s are 追加するd together (known as the total 超過) and the driver must 支払う／賃金 the total 量に向かって the （人命などを）奪う，主張する.

When thinking about 超過s on car 保険, it's really important to make sure you can affor d to 支払う／賃金 the total 超過, should you need to （人命などを）奪う，主張する.?

When 引用するing or buying a car 保険政策, it may seem like a good idea to 増加する the voluntary 超過 in return for lower 賞与金s, but if you can't afford to 支払う／賃金 the 超過 when you need to （人命などを）奪う，主張する you may find that you are unable to 完全にする the （人命などを）奪う，主張する as you don’t have the 基金s to 支払う／賃金.

It's also 価値（がある）耐えるing in mind that the value of a （人命などを）奪う，主張する on an 保険政策 must 越える the total 超過, さもなければ the 保険会社 will not 支払う／賃金 out.

A 削減 in 年次の mileage of 5,000 miles could save a typical driver about ￡50 a year

7. 安全な・保証する your car

Fitting an 認可するd alarm, immobiliser or 跡をつけるing 装置 can get drivers an 保険割引 of around 5 per cent.?

Many newer cars will come with these as 基準, so make sure you check if you have them and then 宣言する them.

Even if you can’t recoup the costs through your 保険, a deterrent for thieves can save you hassle in the long run and the prospect of having to （人命などを）奪う，主張する for a 窃盗その上の負かす／撃墜する the line.?

Look for Thatcham-認可するd 装置s ? this is an 産業（判断の）基準 which is recognised by most 保険会社s.??

8. Do より小数の miles

A lower mileage can help keep 保険 costs 負かす／撃墜する. The より小数の miles that you 運動, the いっそう少なく time you are on the road and the いっそう少なく likely you are to have an 事故 ? so 保険会社s will often look favourably upon this lower 危険 and price your 賞与金s lower.??

But you must be honest about your 年次の mileage as inaccuracy will jeopardise any （人命などを）奪う，主張する.

Check your use cover - if you don't use your car to 運動 to work or for 商売／仕事,? both things that 増加する your 賞与金, you may be able to get a cheaper 率.??

It’s also important that drivers 知らせる their 保険会社 if they think they are likely to go over the mileage they were 引用するd for, even though this may result in an 付加賞与金存在 paid.?

Drivers could save money on their car 保険 by buying their 政策 26 days before 再開

9. Could you change the model of your car?

If you decide to change your car, check with your 保険会社 if the model will have a 重要な影響 on the 賞与金.?

Choosing the 権利 model of the car is 特に important for young drivers, as they typically 直面する the highest 賞与金s and will not want to choose a car model that makes it even more expensive.?

Lots of factors can 影響（力） how much a car model costs to insure, 含むing engine size, 安全 features, and 修理 costs. 普通は, the bigger engine your car has, the higher the 保険賞与金.

Drivers should also 避ける buying a car with customised modifications such as spoilers or wheel 縁s, as these can 増加する保険賞与金s.?

The age of a car can change how much it will cost to insure, but it 作品 both ways.

Older cars are usually 価値（がある）いっそう少なく, so they’re cheaper to 取って代わる, but they also have より小数の modern safety features, which can also make them more of a 危険.?

10. 蓄える／店 your car 安全に

If your garage is 十分な of rubbish, （疑いを）晴らす it out and use the space for your car. 保険会社s like cars kept in garages 夜通し, and this can 劇的な削減（する） your 賞与金.

Aside from the 利益 of not having to 捨てる the ice off in winter, there is a higher 危険 of 窃盗 by keeping the car on the road, so keeping it in the garage will be 反映するd in your 賞与金.

It's important to make sure you can afford to 支払う／賃金 the total 超過, should you need to （人命などを）奪う，主張する

Extra tricks?to save money on car 保険

指名するd drivers and friends and family: If you have 以前 been insured as an 付加 driver on another 政策, see if you can 移転 a no （人命などを）奪う，主張するs 特別手当 to your own 保険ニュース報道.

Some 保険会社s do this, 含むing 海軍大将. Try for a 割引 by insuring two or mo re 乗り物s between friends or family members with the same 会社／堅い.?

Don’t 支払う／賃金 for cover you don’t want: Some 政策s 含む extra 利益s, such as a 儀礼 car, windscreen cover, 決裂／故障 cover and モーター合法的な保護.

All of these could definitely come in handy, but they will almost certainly 増加する your 賞与金. If you’re willing to 危険 it, taking these extras off your 政策 could save you money in the short-称する，呼ぶ／期間／用語.

職業 description: Think about how you 述べる your 職業. Whilst you might think this doesn’t 事柄 much, 確かな職業s are considered higher-危険 than others by 保険 providers.

These tend to be 職業s that may 要求する you to 運動 to more dangerous areas, or travel at higher-危険 times of day.

When to buy: GoCompare has looked at the best time to buy car 保険 and 設立する their 顧客s saved over 40 per cent on 普通の／平均（する） by buying their car 保険 26 days before their 再開 date, compared with those 新たにするing on the day.?

You can buy your car 保険 up to 29 days before the 政策 start date and 'lock in' the price you're 引用するd on that day.?

The 研究 also 設立する that the closer to 再開 date you get, the more you could 結局最後にはーなる支払う／賃金ing for your 賞与金s.?

Compare home 保険, car 保険, travel and pet 保険

（警官の）巡回区域，受持ち区域 the 再開 blues and compare the best 取引，協定s for home, car and travel 保険.

Every year, these 法案s can creep up and the best way to save is to shop around to make sure your 忠義 doesn't cost you.

Prices tend to be 類似の across most comparison 場所／位置s but may 変化させる enough to make it worthwhile to check a couple.?

(v)提携させる(n)支部，加入者 links: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. This does not 影響する／感情 our 編集（者）の independence.

We 示唆する:

HOME INSURANCE?

Before you start, you will need to know your home's 再構築する cost for buildings 保険, 加える詳細（に述べる）s of previous （人命などを）奪う，主張するs. For contents you need to know the 全体にわたる sum to be insured and any high value or special items.

MoneySupermarket

Compare cheap home 保険 from 60 brands

混乱させるd.com

Get a 引用する in いっそう少なく than 8 minutes

GoCompare

解放する／自由な￡250 超過 cover, 条件適用する

Uswitch

See what you could save on your home 保険

?Mail 財政／金融

?� �15 アマゾン保証人／証拠物件 with every 政策購入（する）d?

Also check Direct Line and Aviva that do not appear on comparison 場所／位置s.

CAR INSURANCE?

New 財政上の行為／行う当局支配するs are meant to stop 保険会社s bumping up 再開引用するs, but it still makes sense to check for better 取引，協定s on the?comparison 場所／位置s. We 示唆する:

加える?Direct Line and Aviva?that do not appear on comparison 場所／位置s.

TRAVEL INSURANCE

It's a foolish traveller who 出発／死s without 保険, even if it only covers 医療の緊急s. Compare before you buy with:

MoneySupermarket

Compare 取引，協定s from 35 主要な providers

混乱させるd.com

See how much you c an save from a few days to an 年次の政策?

Also try?Direct Line?that does not appear on comparison 場所／位置s and if you have previous serious 医療の問題／発行するs consider a specialist 保険会社 or 仲買人.

PET INSURANCE?

Mail 財政／金融?

Our sister company Mail 財政／金融 has teamed up with Quotezone.co.uk to 供給する readers with a ￡10 アマゾン保証人／証拠物件 with every 政策購入（する）d

Some links in this article may be (v)提携させる(n)支部，加入者 links. If you click on them we may earn a small （売買）手数料，委託（する）／委員会／権限. That helps us 基金 This Is Money, and keep it 解放する／自由な to use. We do not 令状 articles to 促進する製品s. We do not 許す any 商業の関係 to 影響する／感情 our 編集（者）の independence.

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