5 Ways To Get The Most Out Of Your Car Insurance

by Mike on December 13, 2016

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Car insurance is one of the biggest costs of living nowadays. Companies are pretty much stealing from our bank accounts. Other than not owning a car, there’s no way of getting round the compulsory cost of car insurance. However, there are some sly and clever ways of lowering the costs to something more affordable. Here are some ways that you can get the most out of your car insurance.

Install anti-theft devices

If your insurance covers you for theft, installing a few anti-theft devices could lower your rates. Such security equipment includes a steering wheel lock, a pedal lock and a wheel lock. There are other more advanced tools that you can also buy including an electronic immobiliser (most modern cars already have these built in) or a kill switch (this device shuts down half the electronics and is installed automatically in some cars). If your car doesn’t have a car alarm, installing one could further lower your insurance.

Hire legal help when making claims

Every time you make an insurance claim, your rates go up. If you have to make a claim, you want to make sure that you win. In some tough cases where another driver might be denying involvement in a crash, this can mean getting legal help from an insurance lawyer.

Personal injury may also be able to help with an insurance claim. You should consult with a personal injury lawyer, today, if you have recently been injured in a crash. The sooner you seek legal action, the more effective.

Maintain a clean driving record and credit record

Speeding doesn’t just earn you a fine and some points on your license, it can up your insurance when caught. Be careful of how you drive (or at least keep an eye out for speed cameras), if you want to maintain a clean driving record.

Similar is your credit score. Those with a low credit score are more likely to file a claim apparently, so insurance companies charge more to those who are in and out of debt than those who are able to keep a healthy account. It may also be partly down to the belief that if you’re likely to keep on top of your bills, you’re also likely to keep on top of your insurance payments.

Take up some safe driving courses

A few safe driving courses can help persuade insurance companies that you’re clued up and know how to avoid danger. These may seem like a hassle, but think about the couple hundred pounds you could save. Of course, there’s also another way of proving to insurance companies that you’re a safe driver…

Install a black box

This extreme solution may just be the best course of action when trying to lower your insurance. Black boxes constantly record the speed that you’re travelling at, giving insurance companies hard evidence of your driving habits. If you don’t open break the speed limit, this may be the best option for you.

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