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If you're trying to find the cheapest car insurance rate possible, there are some things you can do to successfully lower your premium. To help you get a rate you're happy with, here are some things to keep in mind --

 

Types of Insurance

 

First of all, you have to understand that there's two major types of insurance policies you can choose from: comprehensive and third party.

 

Third party coverage is the minimum amount of coverage you need to legally be able to drive on the roads. This coverage will only protect you if you damage another person's car or harm your passengers. If you were to get into an accident and it was deemed your fault, this type of policy wouldn't cover you, forcing you to pay out of pocket. While this type of policy tends to be the cheapest, it's only ideal for those who are under 25 years old, have a car valued less than £1000 or live in a high-risk area.

 

A comprehensive policy, however, is the widest level of coverage you can get. This type of coverage will protect you in case of an accident, personal injury, accidental damage and vandalism. This type of policy is ideal for those with cars worth more than £1,500.

 

Which one is cheaper?

 

Since there are a lot of factors that go into determining what a car insurance policy will cost, it's hard to say. For example, a driver with a safe driving record will probably be able to save more with a third party policy if they want to take the risk. However, a driver that is in a high-risk group could actually save money by buying a fully comprehensive policy.

 

How to Reduce Your Costs

 

When an insurance company creates a quote for you, they are going to run an assessment to determine your risk. While you can't change your geographical location, gender and age, there are some things you can do to reduce your risk --

 

Watch Where You Park

 

If you leave your car in a garage or secure place, your premium can be lowered by more than seven percent.

 

Drive Safe

 

If you have violations in the past, then you have to realise it will stay on your record for at least four years. Any sort of violation can easily increase your premium by more than five percent. While its simple advice, always make sure you follow the laws.

 

Car Choice

 

The car's engine size, make, model and any modification can affect the cost. If you haven't bought a car yet, try to get quotes ahead of time with the cars you're interested in buying.

 

Add a Security Device

 

Adding an alarm or any sort of security device can lower your premium.

 

Don't Add Extras

 

While it's tempting to modify your car, it's important that you know the ramifications in doing so. Unless you're adding a security system, try to avoid adding larger rims, neon lights or a turbo charger. This type of activity can increase your premiums or even invalidate your policy.

 

Watch Your Mileage

 

The less your drive, the lower your premiums can become. If you know you're going to be limited with your driving, let the insurance company know about this.

 

Discounts

 

When searching for a car insurance policy, highly consider a company that will give you a discount if you make no claims within the year. While many companies increase your rate regardless of how well you drive, there are some who may take your side and lower your rate for your good driving skills.

 

In the end, if you want to get the cheapest car insurance policy possible, it's best that you shop around. All companies are more than happy to offer you a no-obligation quote over the phone or on their website.