Car
insurance is mandatory nowadays when driving your own vehicle. It’s important
that you have effective car insurance, but make sure you’re not paying too
much!
When I first started
driving, I was paying way too much for car insurance, since student car insurance tends to be quite
expensive. These are the top things I find on how to find and maintain the cheapest car insurance. Firstly, you
want to make sure you have a clean driving record. Accidents and convictions
can stay on your driving record for years to come. It’s the primary thing companies
look for when you’re buying insurance from them. Always make sure you’re
shopping around different companies. Plenty of consumers believe that all
companies charge the same rate for insurance, this is not true. Rates vary
significantly from company to company. All these companies consider the area in
which you live, the type of car that you are driving and how long you have had
your licence. But all companies have different policies for their claims and
loss experiences. One important factor is known as “The Porsche factor” this
means that the car that you drive significantly changes your rates. Newer cars
cost more to insure than older cars, and sports cars, such as the Porsche cost
more than family cars like the Dodge Caravan and a sedan like the Civic. These
companies also look at the statistics that the type of car has on theft, safety
and history. Always make sure you’re asking for a discount, the worse they can
say is no and your left with the original price. Lastly, ensure that you have
taken the drivers training course. This can significantly reduce the cost of
insurance as companies do look for this!
How much are you
currently paying for car insurance?
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