How to get the cheapest car 保険: Ten tips for cheaper car cover

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It's 平易な to save hundreds of 続けざまに猛撃するs a year on your car 保険, yet most people stay with their 存在するing provider and 支払う／賃金 far more than they should.?

The mistake most drivers make is not taking the simple step of shopping around for the best 賞与金. Instead they just 受託する their 保険会社's 再開 引用する, which is likely to be much higher.

The good news is that comparing car 保険 is simple and 平易な and you can find the best price in いっそう少なく than five minutes.

You can then compare the 質 of the 政策 and have a idea of the best price to 交渉する with your 存在するing 保険会社, if you want to stay put.?

There are a handful of ways to help 減ずる your car 保険 costs? Whether you are male or 女性（の）, old or young, follow our ten steps to lower 賞与金s.?

1. Shop around for the best car 保険

This is the number one way to save on car 保険. 貯金 of hundreds of 続けざまに猛撃するs can be 設立する if you shop around when you 新たにする your cover.

Be careful though. When shopping around for car 保険, it's important to make sure that you are comparing like-for-like cover. Some 政策s may seem cheaper, but you may find you don't have the same level of cover when you have to make a （人命などを）奪う，主張する.?

Use an online comparison service, such as MoneySupermarket, 混乱させるd.com or GoCompare. 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.?

Also check the 保険会社s that don't feature in comparison 場所／位置s, the big two are?Direct Line and Aviva. It is also 価値（がある） checking 海軍大将 分かれて for its Multicar 申し込む／申し出s if you are looking to insure more than one 乗り物.??

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. Comparing prices is 必須の to finding this （警察などへの）密告，告訴（状）.

2. Don't put everyone on your 政策

確実にする that only 正規の／正選手 drivers?are 指名するd on the 政策. You can always 追加する someone for a few days when they really need to 運動 the car.?

3. 保護する that 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.?

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.?

But 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 could. The 重要な is to always check the 政策 carefully.?

4. 増加する your voluntary 超過

Agreeing to 支払う／賃金 more に向かって the cost of any 事故 修理s will bring 負かす／撃墜する 賞与金s. If you are not at fault in an 事故, the 超過 can be 回復するd. Beware 存在 tempted to 許す it to rise too high, however, 特に if you have a lower value car.

5. 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 attract a dis count 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.

6. Do より小数の miles

減ずるd mileage equates to a greater saving.

For example, a 削減 in 年次の mileage of 5,000 miles could save a typical 35-year-old driver about £50 a year in 賞与金s.?

A 削減（する） of 10,000 miles a year could save more than £100.

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 c ar 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.?

7. Think carefully about 追加するing young drivers

追加するing a young, inexperienced driver to your 政策 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 still 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, so 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.?

• Looking for an 保険 政策 for your 十代の少年少女? Check out our guide to insuring a young driver

8. Watch out for 保険 罠（にかける） cars

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.?

Sporty cars can attract a high 賞与金 and often a わずかに different model or smaller engine can make a big difference in your favour.?It will also probably save you on 石油 too!?

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 to a personalised 登録 number.

9. Remember what the garage is for

If your garage is 十分な of junk, （疑いを）晴らす it out and use it 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.?

10. Be a better driver and 調印する up to a blackbox

Blackbox 政策s, 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, reward those who 運動 carefully.?

公式に called telematics, these check your 速度(を上げる）, how 積極的な you 加速する and ブレーキ and how 慎重に you 運動, and also whether you are on the road at perceived dangerous times - i.e. 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. The biggest 勝利，勝つ is for those whose 賞与金s are high, 特に young drivers.

Some 保険会社s even 申し込む／申し出 an up 前線 割引 if you take out a telematics 政策. ?

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