Wednesday, 3 August 2011

Cheap Car Insurance: How to Save on Your Premiums

In the age of the internet, finding cheap car insurance is easier than ever. Taking an hour to get free quotes online could save you thousands of dollars on your car insurance. Furthermore, once you have a policy there are many ways to reduce your premiums.

Shop around
If there's one thing that will save you money on your car insurance, it's getting as many free quotes as possible. On the Sharp Insurance website, for instance, it only takes a minute or two to get a free quote. Insurance companies have different formulas for calculating risk and so you may find that quotes may vary dramatically from company to company. It is therefore in your best interest to get as many quotes as possible.

Think before you buy
If you're in the market for a vehicle, be sure to do some research about how much your car will cost to insure. Some cars cost considerably more than others to insure. Honda Civics, for instance, are notorious for being thief magnets, and some SUVs are known to roll over easily. Check out this article for the ten least expensive cars to insure in Canada.

Drive safe and save
Driving safely is not only in the best interests of your health, and the health of those around you, but it will save you a ton of cash as well. Your driving record is the single most important factor in determining your premiums; a clean driving record maintained over many years is your ticket to cheap car insurance. Consider that an increase in your premiums of $100 a month, a few dollars a day, will end up costing you $12,000 over a decade! That's enough to buy you a decent car!

Take a driving course
Individuals who take a driving course will see immediate savings on their insurance premiums. It shows the insurance company that you're serious about safe driving and that you have some defensive skills under your belt. It will also mean that you're not a danger to those around you on the road.


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