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7 Great Ways to save on Car Insurance

Every car owner understands the pain of settling on the right car insurance to save as much as possible on the insurance premium. We have collated a list of ways in which you can not only save on the insurance, but also get added advantages.

Compare As Many Policies As You Can

The insurance policy rates are different among most companies, depending on the covers offered and company reputation as well. Before settling on a policy, you should list down the covers you would like to include in it and compare prices based on that. The cheapest and best car insurance policy is no-frills insurance, which just covers basic charges. However, once you add covers in the policy the premium amount increases.

Don’t Fret Over Claiming Small Expenses

Car insurance holders are entitled to a No Claim Bonus discount on the insurance premium if they don’t make any claims for one year. For every year you don’t claim insurance, the discount offered on premium increases. So instead of claiming for minor repairs, you can pay for these expenses and get a chance to save more on premium charges.

Keep a Check on Your Credit Score

While credit score is mainly considered when applying for loans, insurers also consider your score before providing a policy. It isn’t a mandatory prerequisite; however, the ones who have a higher credit score usually do not make petty claims. This assures insurance providers to be able to offer better premium rates to you without worrying about any hassles later on.

Think Before Purchasing Collision and Comprehensive Covers

This is especially applicable when you are purchasing insurance for old or second hand cars. Collision and comprehensive covers are provided when your car is involved in a crash. However, the company only pays the cash value of the car which is determined by the insurance provider themselves. This is generally not fruitful for older cars.

Add a Voluntary Excess

Voluntary excess is the amount paid by the insurance holder in the claim. Higher the voluntary deduction, lesser is the premium you pay in your insurance policy. It is favorable to have a higher deduction, but you must also consider your ability to pay for deductions and choose a voluntary excess accordingly.

Choose Your Car Wisely

While the car purchase is a one-time investment, its premium is an ongoing expense. More expensive the car, higher is the premium amount. Purchase a less expensive car, if it serves your purpose and avoid unnecessary expense on premium charges.

Protect Your Car with Anti-Theft Devices

This may seem like a trivial installation, but it drastically lowers the amount you pay for premium. Moreover, it also protects your car from theft. On the other hand, refrain from adding expensive gadgets to your car, since it can increase the premium amount.

Adopt one or more of these tricks and lower your car insurance premiums significantly. To get access to the best car insurance and lowest premium rates, check the insurance policies offered by Bharti AXAtoday.