Making your car insurance cheaper for you 

Car insurance is a must for anyone who wants to avoid the stress of losing money and losing sleep. When you buy a car you should consider the cost of insurance as part of the cost of the car, like petrol, warrants and servicing.

There are many different types of insurance available and the cost varies a lot from company to company and across the insurance types.

So how do you reduce the cost of your car insurance so you get the best deal?

Your age is going to play a part in your insurance costs; this one can’t really be helped. Your driving history will also feature so try to keep it clean.

The type of car you drive will also be a factor in your insurance costs. Cars that are more expensive are naturally going to cost more to insure but so are cars that are associated with speed, racing or high risk drivers.

To get the best deal on your insurance you need to shop around. With so many deals and insurance packages on the market it pays to do your homework and take the time to find the best one for you.

There are also many things you can do to make your car more appealing to an insurer and therefore reduce the cost of your premiums

• Protect your car by installing an anti-theft device like an alarm or steering lock. You can do this very easily and relatively cheaply and it will help you save on your premiums. An alarm or car security device protects your car from theft and therefore reduces the risk for the insurer
  
  
• Parking your car in a locked garage, rather than on the street will get you lower premiums and you will reduce the risk of getting your car vandalised, stolen or damaged
  
  
• You can often protect your no claims bonus by paying a little extra on your premiums. If you do have an accident that isn’t your fault this will save you money in the long run and it will ensure you don’t lose your no claims bonus
  
  
• You can reduce you premiums by volunteering to pay a higher excess should you make a claim on your car insurance. This will lower your ongoing monthly costs
  
  
• Drive carefully, the more accidents you have the more of a risk you are to an insurer. Take a defensive driving course and always drive safely. If you are breaking the road rules i.e. talking on cell phone or speeding you may not get covered at all if you make a claim