Obtaining Cheap Car Insurance Quotes Online

There are various to get cheap car insurance quotes online. Looking for different quotes is one of the measures to obtain cheap car insurance quotes. A single renewal quote should not be accepted as the best quote. One should always look for offers by other insurers to compete with the quote he or she already has. This can also be applied while purchasing a new car. The premium offered at dealership should not be accepted just like that.

Doing an annual payment is the second tip. The most cost effective way is to pay the entire car insurance premium in one off payment. But this should also suit one’s pocket. If the payments are spread monthly by direct debit they can cause penalties of interest. This can enhance premiums by around 33 percent. However, it is a better option to attempt and attain o percent credit card to stretch the cost of premiums.

Being a meticulous driver is the third tip. Incredible discounts can be attained sometimes by building up no claims bonus. This can be done by two ways- by preventing any accidents and by not causing any claims with one’s company. By this one can save around 75 percent by making no claims. The no claim bonus is transferred from company to company year on year. This saving can be done if one had five years of no claim. There are also various ways to guard no claim bonus as offered by most car insurance companies. This ensures that one small incident one may have does not counteract with the years of cautious motoring one may have. It is also very significant to keep in mind that any kind of endorsements against insurance holder will also be of interest to insurance companies. This can add up premiums. Thus, it is advisable to never drink and drive, always follow traffic signals, reduce speed and avoid using phone while driving.

To prefer a cheap car is another tip. The highest priced premium group consists of high performing and high powered cars. They will be looked upon as to be of higher level of risk and also higher cost of any repairs. Therefore, small cars are usually offered lower premiums and are seen to be of lower risk. Modifications done on the car can also add extra costs onto the premiums. For example, huge spoilers, booming exhaust and body kits. However, cost can be reduced by alarming the driver and having an immobilizer.