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Reducing your insurance costs

Aside from buying the car and, of course, fuelling it, car insurance is one of the biggest costs you will come up against as a car owner. It comes around every year, but can you do anything to reduce the cost?

There are a few things you can look at to make sure you are getting the best deal on your insurance, take a look at them below.

Type of insurance

What type of cover are you taking out? Fully comprehensive cover is naturally more expensive than other kinds of insurance. Look at things like the crime rate in your area, where you will keep the car during the day and at night, and how you will use the car. Then, you can determine what kind of insurance is right for you. Speak to your provider too as they will be able to advise on this.

Extra drivers

If you are adding extra named drivers onto your insurance, often this comes with a cost. Think if they will be driving the car and if they really need to be added on. Things like being a new driver, having convictions or health issues will impact the cost of your insurance negatively, so look at removing them to bring the cost down.

Shop Around

Just because you are a loyal customer with one provider, doesn’t mean that you’re getting the best deal. Shop around online and look at the different options and providers available to make sure you’re not paying over the odds. Look at things like the estimated number of miles you will cover and you can consider getting black box insurance too, which can also reduce your premium.

There’s our quick guide on reducing the cost of your car insurance. Don’t forget that the kind of car you opt for will also impact the amount you pay for insurance. If you want to look at your options and to find a used car in Liverpool, get in touch with the team at Wavertree Car Centre.