We know that maintaining a car is not always a cheap mission. Fuel, maintenance, minor repairs, cleaning and, of course, auto insurance. Depending on how you are hired, insurance can be the most expensive of expenses. So it is always good to think of ways to keep your car protected more economically. Did you know that small changes can influence a lot in your final insurance bill?
Everyone knows the importance of taking out car insurance. It is an asset that is not cheap, and unforeseen events can happen at any time. And in order to make your auto insurance as beneficial as possible, there are some factors that need to be taken into consideration.
To start, think about the importance of the car for your life: if you use it frequently if you have children or elderly people at home. Also, think about how much you expose your car to the risk and whether it can be changed. In addition factors such as age, region, model, and year of the car can also make the final insurance value more expensive. Read and pass the information accurately to your broker.
Check out some alternatives for small changes that make a big difference when it comes to hiring insurance. Do not forget to declare all of these items in your policy so that the insurer is aware that your car is less at risk.
Leave your car in a garage:
The entire insurance amount is calculated according to the total risk of the vehicle. This means that the more exposed to risks your car gets, the more expensive the insurance is. Therefore, if your vehicle spends the night on the street, this will make the final value of the insurance more expensive, as it can be stolen or damaged by third parties. If you don’t have a garage, consider renting one. In addition to making the policy cheaper, you avoid potential losses.
Pay attention to all policy coverage:
Carefully analyze the quote and check if all coverages are really necessary. Some may not be as relevant to you. As a reserve car in case of theft or total loss of the vehicle, for example. It may be that an Uber or public transport already meets your needs in case of need.
Older cars usually have more expensive insurance:
If your car is already very old, it has a great chance of getting more expensive auto insurance. Even if it is your good, depending on your profile as a driver, it is advisable to only insure third parties. That is, it covers damage to any other vehicle that you may damage. It is important to remember that insurance for third parties should not be done only in these cases: it is suitable for all situations.
Invest in security devices:
Remember when we said that the value of your insurance depends directly on the exposure of your vehicle to risk? Well, ways to lower the risk of theft and collisions is to invest in security devices. It is much cheaper than you think and makes a big difference when it comes to quoting your insurance. A simple device that can prevent a major headache is the tracker: if your car is stolen, you are much more likely to locate and recover.
If you have not yet purchased your car, consider insurance:
The driver’s profile is much more relevant than the car model. But the car also influences insurance numbers. Some more current vehicle models already have safety devices, so it is important to put this information on the form when hiring.
If you want to know the quote for your vehicle or want to buy one, check out our comparator. There we give you all the information you need to make the best choice for your pocket, from the theft index to the annual cost of the car.
If possible, leave young drivers as casual drivers:
Young people aged 18 to 25 are the ones with the most expensive insurance. This is because insurers take into account the time that the driver is qualified and also considered drivers from 26 years of age more responsible. If the young man drives the car a maximum of 15% of the time, you can put him as an eventual driver. But if the young person needs to use the vehicle more often, take out insurance in the name of an older person and place the young person as the main driver.
Now that you know how to save money when protecting your car, access our insurance comparison. You can enter your vehicle information and find out which insurance company offers the most advantageous option for you