Car insurance costs can be a real burden, but thankfully there are plenty of options for anyone who want to reduce the cost of their cover.

Here is a look at the things that impact policy prices and the steps you can take to make savings when the time comes to renew.
cheaper car insurance
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Driving less will keep costs down

The more you drive each year, the more of a risk an insurer will take if they decide to offer you cover, which is why people who drive less than 25 miles each day can get less expensive protection. Indeed there are low mileage car insurance perks for drivers of all ages, so make sure you make an honest assessment of the distance you expect to cover annually when you apply.

This also works the other way; if you have a very high annual mileage because of the nature of your work or your above-average commute, you need to let prospective insurers know, otherwise you might encounter issues when the time to make a claim arrives.

Aftermarket security measures are attractive to insurers

While older cars rarely offered much in the way of active security, things like alarms and immobiliser are fairly universal today, so as long as your car was made at some point in the last decade, it should be safer from theft than more archaic models.

Even so, you can lower your insurance costs if you go above and beyond by adding extra anti-theft equipment. This may even be a condition of certain policies, especially if your vehicle is particularly desirable or expensive. GPS trackers have fallen in price significantly, and they could be a good investment if you want to make insurance savings year after year, for example.
Loyalty is rarely rewarded

While it may be convenient to stick with the same auto insurer year after year, simply allowing your cover to roll over, this is usually an approach which will also leave you paying more than you need to.

Since you can quickly compare prices for car insurance from rival brands online, it is far more financially savvy to check up on your options when the time comes to renew, especially if you are on a tighter budget.

Unnecessary extras can be eliminated

Lots of insurers will try to bundle in additional features as part of their cover, some of which you may not need because they are either irrelevant to your circumstances, or you already have them in place with another provider.

Breakdown cover is a good example of this; it could be an automatically included perk that you need to opt out of when you get car insurance, and if you are already a member of a service of this kind, then failing to do this might mean that you are effectively paying for the same protection twice.

Change your vehicle

The final option to consider if car insurance costs are getting you down is that the car you drive could be the key factor that is bumping up the expenses associated with cover.

While luxury and high performance vehicles may be appealing in theory, in practice they are always more expensive to run, maintain and insure than their more practical counterparts.

Of course if you simply cannot abide the idea of giving up your dream vehicle to downsize to something smaller and more economical, there are specialist insurers who may be able to get you a better deal on a high end auto than mainstream brands.

In short, it pays to shop around and play the field to get the best price on car insurance, regardless of your needs.