Search:

5 Ways To Get Cheap Car Insurance For Drivers

Car insurance for drivers depends on many factors such as
1. Parking place for the vehicle: Showing that you park your car in a safe place and not in a public street can reduce the premium.
2. Insurance group of the car : Insurance group ranges from 1 to 20 with the cheapest being 1 and the 20being the most expensive.
3. The Miles travelled by the car : More the miles travelled more are the chances of an accident. Show that you drive in a limited area throughout the year.
4. Presence of Security system in the car : Presence of the security system in the car reduces the chances of theft . This lowers the premium.
5. The Marital Status : The insurance companies favor the married by maintaining their premium lower than those who are unmarried.
6. Type of Insurance : comprehensive, 3rd party, fire and theft or 3rd party only. More the coverage more the premium.
7. No claims bonus : The No claims bonus points can fetch you discount in the premium
8. Having another car insured at the same address can reduce the premium
9. The locality around your residence: If the locality is good the premium is less.
10. Age of the driver: More the age of the drive, the more mature is he considered and consequently lower is the premium.
Besides the above mentioned factors there are some other means to decrease the premium.
'Car Insurance Fronting' : This is now illegal. In this techniques of decreasing the premium, an experienced driver was mentioned as the main driver on the insurance policy and the new driver used to be nominated the second driver. Now this technique cannot work.
Named Drivers : The other trick used by drivers to get cheaper insurance is being on someone else's policy. If you opt for this trick be sure that you will not get any " No Claims Bonus ". In this trick you are just the named driver. One thing to be sure of is that you should choose a company that gives no claims discounts to the named drivers too.
Higher Voluntary Excess : Opting for higher excess on the premium is called voluntary excess. Higher the voluntary excess, lower the premium. This is another way to decrease the premium.
Pass Plus : Pass Plus is a course which if completed with 12 of passing your test , can fetch you 35% discount on the premium.
Cost of the Car : The higher the cost of the car, more will be the premium because repairing an expensive car is always going to be more expensive. The risk involve is also higher. Opt for the average car rather than going in for an expensive car.
For most of the companies the quotes for Taxi Drivers Insurance, Van Drivers Insurance and Chauffeurs Insurance are different.