Cost.co.uk Drives Down The Cost of Car Insurance
The price of staying on the road is becoming a constant source of misery for many a UK driver thanks to soaring fuel costs, not to mention insurance fees. Those who have recently groaned over their growing car insurance premiums may be frustrated to hear that whiplash and other personal injury claims are costing drivers an extra £118 on their cover.
The research carried out by Aviva, also found that as many as 550,000 claims are made every year, leaving insurance customers to foot the £3billion bill. What’s more, it is estimated by the Association of British Insurers that as many as one quarter of all claims may be fraudulent. With work being carried out to make our roads safer every day, what can be done then to try and avoid these unnecessarily high insurance premiums?
Ideally, more effective diagnosis of whiplash would help ensure that innocent drivers are not punished for this fraudulent activity. However, due to the nature of this type of injury, it is almost impossible to disprove the condition. The Ministry of Justice consultation on whiplash ends March 2013, but in the meantime, there are ways drivers can seek to lower their insurance outgoings.
Any means by which you can demonstrate to your insurance providers that you are a responsible driver, and therefore a lower risk candidate should serve to bring down your overall price. Taking additional qualifications such as a Pass Plus not only demonstrates your abilities but also your general attitude towards the road. The same approach also goes for paying parking fines on time.
Before you begin your search for the perfect car insurance deal, it makes sense to have a clear idea of what you want from your cover. Whilst it can pay to be flexible, setting out a list of areas you aren’t prepared to compromise on should see you find the best cover for you. It may also help to have all relevant details to hand, such as those regarding your vehicle, your driving history, as well as your average mileage.
Having an accurate estimate of how many miles you cover per year will ensure you don’t pay over the odds for a service you don’t need.
Most importantly however, remember to shop around. This is particularly important if you fall under specific categories such as under 21s or for anyone searching for classic car insurance, however it holds benefits for everyone. Different companies specialise in different areas and as a result you’ll find that quotes vary considerable from firm to firm, so be sure to take advantage of this.
You also stand to save yourself a significant amount of time trawling through individual sites, desperately trying to locate the relevant information, as well as being in good stead to find a deal more tailored to your personal circumstances. Insurance comparison also allows you to compare quotes more accurately, on a like for like basis to help you make the most informed decision possible.
Don’t be afraid to haggle either. Insurance companies are more than aware of the competition on the market and the price you are first presented with might not be the best one. Speaking to the company in person may also give you a better understanding of where your money is going. If at all possible, consider paying annually rather than monthly as this is likely to award you big savings but your representative will be able to provide you with more information on the subject.
Naturally, there are some things you can’t change, like age or gender. However shopping around can help you make the most of the points which do work in your favour.
Cost.co.uk is one of the UK’s leading price comparison sites, specialising in sourcing the most ideal policies at affordable prices across money, insurance, travel and utilities.