1. Shop around. According to experts you could shave up to a third of your annual premium simply by comparing quotes from different companies.

2. Keep your car in a garage and you might be eligible for a rebate of 5 to 10 per cent off the premium.

3. Limit the number of people you allow to drive your car. The more people allowed to use it, the higher your premium. Teenagers are particularly expensive. Remember to take their names off the policy when they leave home or get their own cars.

4. Try and keep your car for personal usage only. Business use of a car will increase your car premium significantly.

5. Try to limit the usage of your car to a maximum of about 12,ooo miles a year and you could probably earn an extra 5 to 10 percent discount.

6. Request a higher excess. Most policies include a voluntary and/or compulsory excess charge (the amount you pay in the event of a claim). If you’re prepared to increase this slightly, you can get a reduced premium.

7. Ask for an introductory discount, even if you don’t have a no claims bonus (NCB). You may be eligible if you’ve driven a company car, or someone else’s car, with a no claims bonus on its policy. Some insurers just offer you a discount because they want your custom.

8. Pay in full. Paying in installments is almost always more expensive. 9. Use direct providers to avoid brokers’ commission. Direct Line claims that buying through intermediaries can boost the cost by up to 30 per cent.

10. Buy through the internet for cheaper premiums as many providers offer automatic 5 per cent discount for online transactions.

11. Consider switching to an older model. Premiums fall once a car is five years old, and again once it reaches 10.

12. Drive a smaller car. Insurance is cheaper for cars with engines below 1400cc.

13. Improve your driving skills. A Pass Plus driving test, or similar qualification, can cut premiums.

14. Think about third party, fire and theft cover. Comprehensive insurance is not necessary for cheaper cars.

15. Occupation often makes a difference. Accountants tend to pay less than window cleaners, for instance.

Conning Research has made a study on the nonstandard car insurance market. Nonstandard generally refers to drivers that are considered as high-risk.

They have some interesting findings, including;
- Increasing use of technology in the insurance market gives car insurance companies the ability to track the actual risks of insuring motorists previously considered as high-risk.
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Wow, just read a post from this site. It sounds like he didn’t have uninsured motorist car insurance cover. How can you not feel sorry for this guy. He sounds like a reasonable, intelligent law abiding citizen. I completely agree with his comments;
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The perception is that 20 something males are high-risk drivers. But in reality anyone that has had a major violation or several smaller violations, from any social or economic background, may be considered to be a high-risk driver by car insurance companies. New drivers can also start off being classified as high-risk until they’ve established a good driving record.
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The average California car insurance rate is $1,771 which is pretty good considering the national average is $1,833. Some factors that can influence your auto insurance premiums are;
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If you are looking for cheap car insurance for a lady you are in luck. The insurance god has smiled on the female sex (that or we’re actually better drivers!) with many companies offering a slightly reduced premium for female drivers.
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With the ability to search for quotes online you don’t need to search for a car insurance broker in California. Obtaining quotes from brokers has several disadvantages, including;
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If you are looking to buy car insurance online California you probably want to make sure you get the cheapest car insurance that suits your needs.

Shopping around online is a great way to reduce your insurance costs. Insurance can put a big dent in your family budget, especially considering the typical motorist in California is forking out $2,334 a year for car insurance.

In fact, a recent article written by Forbes has found that California is the 2nd worst state in the country to own a car. The article states that average costs for motorists for 5 years in California were:
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If you have a Dodge you really need to shop around for budget car insurance quotes, to obtain a Dodge car insurance quote click here. Unfortunately the Dodge features in the top 10 list of most stolen motor vehicles in many states, a factor that could increase your car insurance rates.

In Colorado the Dodge Neon 1995 comes in as the 6th most stolen vehicle and the Dodge Ram Pickup ranks in at number 9. In Michigan the Dodge Ram Pickup tops the list and in Texas Dodge pickups come in as 3rd most stolen.
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Low affordable car insurance is easier to get if you drive a vehicle that is considered both safe and ‘low-profile’. You may want to rethink that flashy sports car or SUV you’ve been thinking about buying as you’re more likely to get cheap car insurance on a family car or minivan.

A safe affordable vehicle, not only better protects the driver and passengers, but it also protects your wallet. As some cars cost more than others to repair insurers take this into account when calculating your car insurance rates. There are a number of online resources you can use to check the typical repair costs for popular vehicles. Insurers are also interested in how the vehicle takes care of you and your passengers in the event of an accident, and obviously you should be too!
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