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How to Find Low Cost Family Car Insurance
As a versatile, reliable workhorse, it's little wonder that the family car is difficult to insure cheaply. Frequently notching up a high mileage, the excellent performance and significant power such vehicles often possess results in soaring premium prices. The backbone of the household’s transport options, with much of the driving being undertaken during peak hours or in high risk conditions, the main vehicle has to fulfil a wide range of functions successfully. If it’s coming round to the time when your cover is due for renewal, how can you obtain a cut price policy which still gives you all the protection you need? We’ve identified some top tips to slash your premium price when it comes to a suitable motoring policy.
Although the usual advice when insuring a car is to strip out all the non-essential options in order to reduce the premium, this isn’t wise advice when it comes to the main car in the household. Frequently used for holiday trips abroad, long journeys or as a commuting vehicle, appropriate breakdown cover, the use of a suitable courtesy car and child seat cover may well be sensible types of protection to take out. By using savvy search techniques, it’s often possible to get these extras included without paying more than your standard premium price.
Be Careful Who You Put on Your Policy
The main driver of larger, more powerful cars tends to be an experienced motorist who takes advantage of their years behind the wheel and significant No Claims Discount (NCD) to obtain relatively low cost cover. As your offspring grow up, it can seem tempting to add them as newly qualified children to your policy, or perhaps include another adult who is only an occasional driver. Be aware that not only can a less experienced second driver bump up your premium significantly, but it’s also illegal to put down a new driver as a second driver on your policy in an effort to minimise the premiums they pay (known as fronting). Except in exceptional circumstances, it’s normally cheapest in the long term to set new drivers up with their own insurance policies and keep your main car cover separate.
Use Common Tricks to Obtain Cheap Quotes
Whether you’re insuring a four-door saloon or a hot hatch, there are certain ploys that every individual seeking minimal outlay can use to their advantage. Remember to obtain quotes from as many insurers as possible; use several Comparison Sites and contact brokers who don’t appear on those sites individually in order to find the lowest possible price. Give insurers as much information as you can; it can take longer, but often a quote can be reduced when a more personalised risk calculation is undertaken. Don’t automatically renew with the same company; you’ll almost invariably find that the renewal price is higher than opting for a new provider. If you already have other cover in place, for example Critical Illness or a Home Contents policy, your existing broker may well give you a special offer price for purchasing a second product from them.
The relatively powerful engine and premium performance which many larger cars possess cause them to fall into a relatively high group. Whilst little can be done to alter this, ensuring that your vehicle isn’t modified in any way and putting in place additional security measures (post-factory fitted immobiliser, an intruder alarm or a dashboard camera, for example) can all help keep your policy price down. Parking in a garage or on private land might also have a beneficial impact on price. As your vehicle may well be used to carry expensive items such as bikes, surf boards, camping equipment or electronic gadgets, check that you have the right cover in place for these items in the event of theft or accidental damage. Whilst some may be protected by your House Contents Cover, even when outside the premises, others may require additional protection
Whilst many of the considerations for insuring a powerful, high-performance saloon cheaply are the same as those for any other car, the unique status this vehicle has as the main form of transport for the household means it frequently requires a higher and more comprehensive level of cover than others. Taking into account the considerations given above can go a long way to driving down the insurance cost of the family motor, so why not begin looking now for an advantageous quote?
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