Pirate FM News

Car Insurance Advice

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Published at 6:01am 12th January 2012

Car insurance companies are being told to stop selling-on drivers' details as it's leading to premiums going up.

The House of Commons Transport Committee has ordered the end of so-called "sharp practices."

The average annual bill in the southwest is now almost £650. You can read more here.

Tips to Reduce Your Premium:

  • Lower your risk - If there is a way of leaving your car in a garage or on a drive then your premium will fall because the risk of theft or accidental damage falls. If your car does not already have security devices it may be worth adding one to cut your cost. Reduce how far you drive - lower mileage will mean a lower risk and therefore a lower premium.
  • Play the game - When it is time to renew make sure you shop around using a variety of different price comparison websites. Then reapply to your existing insurer as a "new" customer. Often you will find the total will be a lot lower than your renewal quote. Ask your current insurer if they will beat your other quotes. Don't be afraid to haggle. Think how much excess you need. If you can afford to push up to £500 then you will get a lower premium.
  • Look at your application - Think about the sort of car you have. The bigger and more powerful the more that you will pay. Try adding someone who is lower risk to a higher risk policy. However, do not be tempted to name yourself as the main driver on a younger driver's policy. Insurers have got wise to this, will often check and could prosecute you for fraud.

 

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