Avoid paying large auto insurance premiums – pt. 1

In the current motor insurance industry insurance providers have found more ways than ever to bump up the price of car insurance premiums for even the most careful drivers with the best no claims records. Bearing this in mind it is important that every driver understands the many factors that affect a premium cost and hopefully this car insurance advice can help drivers avoid being handed a large premium cost.

The first step to avoiding large premiums is to consider wisely the car you drive. When deciding what car to purchase consider the potential cost of the insurance before buying the biggest, fastest and sportiest motor. These types of cars may look good and be fun to drive but will be a nightmare to get insured. The higher the cars engine capacity and size is the higher the insurance cost is likely to be and any sports modification to a car is also likely to increase the insurance cost. Another important factor considered by insurers is the perceived security of the car you drive. Insurers have a number of tests that are carried out on each car model that gives it a security rating. As you can imagine the poorer your cars security score is, the higher your insurance will be.

In a previous post I discussed how even the smallest of modification to a car can increase the car insurance considerably. This should be remembered by all car owners before adding a sports kit, enhancing engine performance or even simply adding alloy wheels as any modification to the car as you bought it will more than likely result in an increase in the insurance premium. For more car insurance saving tips check back here soon for part 2.