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Sometimes car insurance premium make sense. People living in places with more crime Because gold more expensive Who-have cars pay more, for example. Purpose they're far from the only thing Insurers up your premium for.
Insurers-have gone as far as working out suckers Normally-have more accidents Where They Were to blame than Any Other profession and the building society clerks fewest. They know Virgos Were worst for accidents last year, profit more Pisceans HAD convictions.
That means clustering clustering They Will up your premium is based age, sex, job, post code and Where You park park as well as what you drive.
Purpose car insurance providers do not-have to-have to have it all Their Own Way - we've found six ways to get car insurance Cheaper That They'd really you Rather About About did not know.
1. Use the right job title
If you describe yourself as a "leader" when filling in your car insurance quote is Applying your average £ 98 Higher Than if you write "kitchen staff" GoCompare.com comparison website found - and it's not just cooks That-have this problem.
"Music teachers" pay more than £ 86 "teachers", "office managers" pay more than "administrators Office" and "construction workers" pay more than "builders" who - in turn - pay more than "bricklayers".
Basically, if your job fits in more than one category, check car insurance quotes are for all of 'em before Applying. For more on how your job affects your car insurance, check out GoCompare's guide. And if you're a full time parent or retired make you absolutely safe That check box and not "unemployed".
2. Add another more Experienced driver to the policy
It's a crime to say someone who is not the driver of a car is hand, aim Adding a secondary driver is perfectly legal - and more than that, it can save you money.
Their get permission first, Then add an Experienced driver with a clean driving license and decent no-claims history to your insurance.
3. Never leave it till the last minute
Searching around and switching car insurance three weeks before your renewal dates Rather than on the day, saves you an average of £ 280, comparison website Comparethemarket found - Even with bigger savings available for younger drivers.
4. Get some cash back
Comparison websites make money Because When You Switch products with Them They get a referral fee from the insurer. Purpose if you're clever, you can get that money yourself.
Topcashback Offering is up to 110.25 bucks cashback When You switch through 'em. Once you've found Compared prices and that is cheapest deal, head over to one of 'em and see if you can get an even better deal by switching through the cashback site.
5. Pay up front
Did you know that Many Insurers are charging your interest payments if you spread the cost over the year? Well, They Do. an average of £ 62 more Money supermarket Worked out. So if at all possible, pay up front.
6. Cut your extras and boost your excess
What's included in your car insurance quote? Breakdown cover? Windscreen cover? Theft from the car? Driving abroad? Personal accident cover? A courtesy bus? Every extra adds to the premium. More than that, a lot of 'em might already be covered by things like your travel insurance, AA membership, home insurance or Even your bank account.
Double check you're not paying twice And Then look to see if you really need thesis extras. Oh, and you need to check how much excess There Is it your policy. This is how much you-have to pay yourself When making a claim. The lower the excess The Higher the car insurance, so work out how what you can AFFORD to pay in the case of an accident and set your excess to that - Even £ 50 can make a difference.
And of course ....
These Will all lower your quote, pay less goal to make sour you've Compared car insurance providers too.
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