Secure Your Car For Lower Car Insurance Premiums

When you think about Car Insurance Rate, what do you think of first? Which aspects of Car Insurance Rate are important, which are essential, and which ones can you take or leave? You be the judge.

A question often asked is whether or not securing your car will help to reduce your UK car insurance premiums. Will this is certainly a factor you need to discuss with your car insurance company, you should note the following:

Steering Wheel Locks

While steering wheel locks may deter thieves from steeling your car, the fact is that most UK car insurance companies will not allow for the fact that you have one to affect the level of your car insurance premium. In short, if the thief is a professional, steering wheel locks are not much of a deterrent.

Immobiliser

If your car has an immobiliser system inserted – such as the Thatcham Category 1 – then you should be talking to your UK car insurance company about ways to reduce your car insurance premium. Indeed, as a security extra on the car in itself, your car having an immobiliser is likely to be the only factor your car insurance company will be willing to listen to when discussing ways to reduce your annual car insurance premium.

Is everything making sense so far? If not, I'm sure that with just a little more reading, all the facts will fall into place.

Garage

26 percent of all car theft in the UK last year took place right outside the front door of the car owner! So, if you have the ability to lock your car away at night in a garage, then mention this to your car insurance company as there is a very good chance that this will cause you to have a reduced car insurance premium! Remember, however, that if you arrange to have a car insurance discount based on the fact that you’ll be locking your car away all night, you’ll need to make sure that’s exactly what you do – otherwise, if your car is stolen from in front of your house – you may find that your car insurer will not pay out!

Location

64 percent of car crime in the UK last year took place in the neighbourhood of the car owner! In most cases, these were inner city areas. Where you live, and the crime rate in your area, will have a major influence on the car insurance premium you are quoted. So, if you are being quoted a very high UK car insurance premium, it might be time to consider moving!

And finally…

Obviously securing your car is more than just about reducing your car insurance premiums – it is about making sure no one steals your personal belongings. To this end, keep in mind that 90% of car crime in the UK is opportunist car crime, so make sure you minimise the chance that your car will be stolen by keeping your car safe and secure at all times.

That's how things stand right now. Keep in mind that any subject can change over time, so be sure you keep up with the latest news.

Read More..

Getting Low Car Insurance Rates By Tuning Specific Factors

This article explains a few things about Car Insurance Rate, and if you're interested, then this is worth reading, because you can never tell what you don't know.

The Car Insurance market is highly competitive and there are many insurance companies willing to fight for your business. However, you can aid the process of obtaining a low rate if you learn which variables alter the costs and risks for the insurance company so they can offer you a better deal. There are many variables involved but here is a small list of the most important ones.

Though there are many insurance companies on the market, the way they ponder the risks are really the same. Nevertheless, you can always inquire about which variables affect the policy and which risks raise the premium the most. The following list provides the most common variables that affect car insurance rates and can alter the end price of your insurance policy.

Annual Commuting Miles

If you have a low yearly mileage you can obtain many benefits. The number of annual commuting miles will have big influence on the rate you will pay on your car insurance. Therefore, try to reduce them whenever possible. If there is a good city mass transport and you are not too far from work you can try getting to your job by means of public transport which will reduce this variable significantly. Avoiding using your car for long trips by using other means (train, airplane, bus, etc.) will also contribute to reduce your commuting miles and thus reduce the rate on your car insurance.

Information

If you don't have accurate details regarding Car Insurance Rate, then you might make a bad choice on the subject. Don't let that happen: keep reading.

Make sure to provide all the information needed. Even if you think that it will not help you, you should provide all the information you can. For instance, if your commuting miles do not seem to be low, you may choose to fill that field with: unknown. However, if you do, the insurance company will use the default option which is the least advantageous one. Instead, if you provide accurate information you may not get the best discount but you can get a reduction on the rate nevertheless.

The Driver Issue

The vehicle driver will also determine the rate that you will have to pay on your auto insurance. For instance, as hard as it may be to admit for most men, women participate in fewer accidents than men and therefore if the driver of the vehicle is a woman, then the insurance policy will turn out to be less expensive. If the driver has done special drivers courses, this can also imply savings on your insurance.

Security Devices

If your car is not that modern and it lacks the new security devices that the car industry offers, your insurance premium will be affected. These devices can sometimes be added to your car later. Moreover, there are devices that are elective like anti theft devices. If you decide to add one of these to your car, make sure to let the insurance company know as this fact can reduce the amount of money you spend for your insurance.

As you can see, there are many things you can do to obtain a reduction on your auto insurance quote. However, there is no easiest way to obtain a cheap insurance deal than shopping around for different insurers to find the one that best suits your needs and can offer you the lowest price with and the highest quality insurance policy possible.

Now you can understand why there's a growing interest in Car Insurance Rate. When people start looking for more information about Car Insurance Rate, you'll be in a position to meet their needs.

Read More..