When you are in your teens or twenties and you finally pass that pesky driving test, it can feel like your independence is finally beginning because you have this perfect tool to take you almost anywhere in the world. One of the things you will need to think about once passing your test is getting yourself some car insurance. There are so many different policies and deals out there and it can be hard to know what to do, but luckily we have some tips to make your insurance choice easier and cheaper each year too.
Less mileage? Smaller premium!
One of the things which can be annoying as a driver is having to pay the same price as someone who drives a car twice the distance that you do each month. If you only use your car to drive to work and the shops it can feel as if you being cheated out of your money and this isn’t good at all. However, an article from investment about metromile insurance has proven that you can actually find insurance deals which give you a power premium if you drive for less mileage!
Protect your no claims bonus
When you are driving and you want to save money on your insurance, you must always be aware to make sure that you protect your no claims bonus. A no claims bonus is a figure which follows you each year as you go a year without any accidents or claims either from you or against you. If you can keep a clean sheet when driving your premium will reduce gradually each year until it is at a great level for you to manage.
Don’t add your kids to your insurance
As tempting as it is to help your children learn how to drive by insuring them on your car for a few months, you could be doing yourself more harm than good and costing yourself a fortune where it is really not needed. When you add a youngster onto a car policy your price will hike up, and you increase your risk of an accident simply by having them drive your car. The best way you can help your kids with driving is to pay for some lessons and help them learn their theory.
Secure your car
One way that you can make sure your car insurance stays low for longer is to make sure that your car is parked in a secure place. You will notice when you fill out the application that it will ask where your car is stored, and this is because it is less risk for your car to be in a garage or up the drive than on the road. You will save money by keeping your car secure and safe.
Install a black box
Black boxes are often associated with planes, however they can be used in any vehicle to record what it happening and make sure that the law is being obeyed. In the car, you can opt to install a black box and it will record your speed, driving and and accidents you have. It will essentially be a way to make sure you stay safe and drive carefully, and your insurance will be lower as a result of offering to have it fitted.