Published on September 9th, 2015 | by Pete0
What does a garage, the internet and an immobiliser have in common?
On the face of it, a garage, the internet and an immobiliser might not appear to have much in common, but in fact there is one crucial respect in which these things are connected – and it concerns car insurance. If you think you’re paying over the odds for vehicle cover, these three elements could help you to save cash. Keep reading to find out how.
Chill Insurance, a broker in Ireland, advises that in order to access the most competitive deals on car insurance, you must minimise the risks to your vehicle. Your garage can play an important role in this. By keeping your car locked up overnight, you can reduce the chances that it will be stolen or vandalised. Fitting an immobiliser to your vehicle could also help. These high-tech devices prevent vehicles from being started until they have been deactivated. Along with other security measures, such as alarms and trackers, they make it less likely that your car will be stolen and they could earn you a discount of around five per cent on your premiums.
Shopping around is also crucial if you’re to find the best value insurance policies, and this is where the web comes into its own. By spending some time scouring the internet, you stand a much better chance of finding the most impressive offers. Rather than going through the time consuming process of contacting individual insurers for quotes, you can use the services of brokers or comparison sites. Just make sure that when you’re shopping around, you compare like-for-like policies. Some deals may seem cheaper initially, but they may not offer the same level of protection if you need to make a claim.
To give yourself the best chance of identifying a competitive offer, don’t wait until your renewal date to start thinking about your options; instead, aim to begin your search a few weeks in advance. This will give you more time to consider your options.
Other money saving tactics
There are many more ways to reduce your premiums too. For example, you could raise your excess, avoid policy extras like windscreen cover and cut your annual mileage. Also, if you’re a young driver, you may benefit from adding a more experienced motorist as a named user of your car. Don’t be tempted to register this other person as the main user though. This is called ‘fronting’ and it’s a form of fraud.
You might be surprised by how much money you can save if you take tips like these into account when you’re searching for vehicle cover.