Global Courant
In this world of recession where everything seems to be going up, one wonders if there really is a simple strategy one can use to reduce the cost of car insurance. After all, we all know that insurance is a grudge that, if it were possible, we’d rather do without!
In this article, we want to look at three very simple steps you can take starting today to get the cheapest car insurance quote.
Your very first plan of action is to try to reduce your overall risk profile before moving on to the next two steps. Let’s look at some of the steps you can take to reduce your overall risk profile.
Reducing your overall risk profile isn’t as hard as it sounds and there are several ways to do it. The first thing you can do is focus on improving the safety aspects of your vehicle. Vehicle security devices such as alarms, immobilizers, anti-hijack units usually improve the overall security of your vehicle and entitle you to discounts.
However, you must install high-quality security equipment that is recognized by the insurance industry. Of all the security devices available in the market, a tracking device will give you the highest discounts from almost any insurance company you request a quote from.
Another important aspect that improves your risk profile is the safety of your parking space at night. Virtually all insurance companies will inquire about your parking arrangements to determine the risk of theft based on where you park the vehicle at night. While parking the vehicle on the street gives you the worst risk rating, resulting in very high premiums, parking the car in a locked garage will save you money on your car insurance in the long run.
Other areas to consider in terms of improving your risk profile have to do with developing safe driving habits and making sure you stay insured at all times. This effectively reduces your overall risk profile and positively impacts your no claims bonus score.
The second important step to getting the cheapest car insurance quote is to insure your vehicle for the right value. Most people mistakenly believe that the correct value for which their vehicles should be insured is retail value. Yet the naked truth is that in the event of a total loss of your vehicle, your insurer will not pay you for the retail value, even though your premium was based on that amount.
So the best value your vehicle should be insured for is market value, or better still, trade value.
Finally, you must make a dedicated effort to collect and compare as many quotes as possible. The real secret to dirty cheap car insurance quotes lies in comparing different quotes. The good thing is that the advent of car insurance comparison sites has made it extremely easy to hunt for cheap car insurance policies. With a comparison site you can easily compare multiple quotes from dozens of insurance companies with one click.
3 easy steps to get the cheapest car insurance quote
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