Tips for saving your insurance premium

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(Free-Press-Release.com) December 28, 2007 -- Tips for saving your insurance premium

 Young and newly qualified drivers can boost their no-claims bonus by taking an additional test called Pass Plus. Some companies will credit people who have passed Pass Plus with an extra year's no claims bonus.

 Drivers who don't have full no-claims bonus can build their bonus up quicker with a policy from some companies called Bonus Accelerator. This policy runs for 10 months rather than the usual 12. At the end of those 10 months, provided no 'fault' claims have been made, you get a full year's no claims bonus. So, somebody starting out with zero no-claims can build up to the maximum five years no-claims bonus in just four years.
 Be Careful if you choose this scheme You usually have to stay with the same insurance company throughout, in order to build up your maximum no-claims bonus. Companies don't usually allow you to carry a 10 months policy over from one company to another, so please check before you sign up for this type of scheme.
 Buy a smaller-engined car.

Some other important points to remember:
 Fit insurance approved anti-theft devices to your vehicle. Approved alarms and immobilisers can significantly reduce premiums.

 Insure all your cars with the same company as this may entitle you to a multi-car discount.
 If you need other types of insurance, check if your insurance company offers discounts for taking out home and motor insurance with them.
 Check the insurance group of any new car you are considering purchasing. Premiums can vary greatly on seemingly similar vehicles. Groups run from 1 to 20 with group 1 cars being the cheapest to insure. A reliable, low profile vehicle is the best type to have if you want low cost car insurance UK.

 Be aware of the value of your car. If you can afford to replace an older car, perhaps you don't require a comprehensive cover. Even if it is completely written off, the most you will get if your car is in an accident is its market value, which may only be a few hundred pounds. Weigh that against what you would save on your insurance bill.
 If you have a car specifically for the younger drivers in your household, make sure it is an older, less valuable car.
 Modifications to vehicles can sometimes mean higher premiums. Check with your insurance company before making any modifications; they could mean forfeiting low cost car insurance UK.


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