Car insurance. It’s something that many of us baulk at – and when the premiums go up, it’s even worse. However, this doesn’t have to be reality. In fact, there are plenty of simple ways to get cheaper car insurance. In line with this thought, today, we’re looking at the ways you could lower your car insurance premiums. In turn, this may allow you to find the optimal insurance policy for your vehicle.

How to Get Cheaper Car Insurance for Your Vehicle

There are many ways to find cheaper car insurance for your vehicle. To this end, keeping this in mind could help you decide which option is right for your needs.

#1 Start with the Right Car

Selecting the right car isn’t easy. However, accounting for the vehicle’s value and history when making this decision is paramount. An expensive car will naturally cost a lot more to insure than a cheaper one. In addition, cars with extra “baggage” – i.e., a history with lots of damage – will also be more costly. It’s important to try a vehicle check to reveal information such as past MOT records, write-off checks, and similar details. In turn, this can help you make a safer choice overall.

#2 Shop Around

Don’t just take the first offer. It’s tempting to stay loyal to a particular company, but these days, shopping around usually offers far better prices. Be sure to get multiple quotes before agreeing to a plan.

#3 Know When to Switch

Changing to a new provider shouldn’t be done right at the last minute. Indeed, this can actually put the prices up a lot. Instead, aim to get quotes around three weeks in advance for the best possible prices.

#4 Consider Adding a Black Box

If you’re a new driver, adding a black box offers a simple way to keep costs down. These simple devices monitor your speed and driving technique and can come with a significant discount in turn. However, if you do begin driving dangerously or breaking speed limits, your insurance will increase rapidly in turn.

#5 Hold Off on Small Claims

If you’ve had a small knock or bump, it can be tempting to claim on your insurance. However, this can remove any no claims discount, which could leave you paying a lot more. As such, if you don’t need to make a claim, it may be worth balancing out whether the cost of losing your no claims discount makes financial sense.

#6 Add New Drivers as a Named Driver

Another new driver tip: add recently passed drivers as a named driver to keep premiums lower. Indeed, this simple approach can be massively cheaper than insuring a new driver on their own. As such, it’s a popular way to keep costs down.

Final Thoughts

Budgeting is vitally important when looking for the right type of vehicle for your needs. And, critically, it’s imperative to account for related expenses when making this all-important decision. Insurance is just one such example – but there are ways to keep the cost down here. Fortunately, this is where our experts can help, and today’s guide has outlined several simple tips that might be useful. But remember: insurance shouldn’t have to cost the world; so, weigh this up against the value of the car to help.