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Cheapest Motor Insurance Tips

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If you have a car, then you should know that the chances are high that you need motor insurance. Not having it can be costly in many ways except you have some cheapest motor insurance tips. If anyone steals or damages your car without insurance, you have to pay out of pocket to repair it. 

Also, if someone else gets hurt while driving your car without insurance, then they may be able to sue you.

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Cheapest Motor Insurance Tips

Here are five cheapest motor insurance tips. They will also help you so that you don’t pay too much for your coverage.

Insure at least 3 cars

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Don’t put all your eggs in one basket. Insuring multiple cars can help lower your premiums because of a bulk discount. This will also help you if you get into an accident since you still have a car. 

It can be a win-win solution for people who don’t want to depend on public transportation.  Also, it is highly beneficial for those who live far from work and need two cars. It’s also helpful to use a vehicle that you did not register under your name. 

You may not be able to save much money if you only have one car. However, spreading out your coverage will give you more options when it comes time to renew. The fewer claims you make, the better. 

The more minor damage you do to other vehicles, and vice versa means cheaper rates down the road. If you are looking at insuring a second vehicle, compare quotes from several providers. Some insurance companies offer multi-car discounts, which could reduce your overall costs significantly. 

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Make sure to shop around; you might find another company willing to give you better deals than your current provider. Also, shop online – many insurance companies have websites to get competitive bids without leaving home.

Upgrade your driving license

You can save up to 50% on your insurance premiums with a full, clean driving license with no penalty points. If you’re willing to put in some work—for example, taking a safe driving course—you can obtain a full clean license. It’s worth it. 

Suppose you have a ‘nearly-clean’ license and looking for ways to reduce your costs; consider investing in a defensive driving course. The good news is that you can take these courses online, so they don’t take up your precious time. 

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They’ll remove three penalties from your license if you complete one of these courses. You’ll only need to take two more safe driving courses before having a fully clean license. 

We think it’s well worth doing. A few minutes on Google should help you find some great deals.

Don’t automatically renew

If you’re looking for a new policy, check out quotes from different providers. This will ensure you get value for money on your insurance and precisely what you need. You may be able to pay less than your current provider. 

It’s always worth checking around, as earlier said. Remember that just because one company is offering you a great deal doesn’t mean another company won’t do better still. Many companies out there can offer you cheap motor insurance, so don’t settle for second best. 

Keep looking until you find something suitable. If you want help finding your cheapest options, why not try comparing prices with uSwitch? They’ll help find a cheaper quote from another provider. 

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Be wary of comparison sites that don’t include all available providers. They might give you an idea of what’s available, but they won’t tell you everything. 

Check if you need special coverage

There are certain special circumstances in which you may be entitled to free coverages. For example, if you’re a professional driver and use your vehicle for business purposes.

However, some insurance companies will waive your excess fee (the money you pay towards repairing or replacing your car). If you need a special cover, check whether it is available on any of your policies. You can also contact an independent broker who can compare quotes from multiple insurers. 

A good broker will offer impartial advice that doesn’t influence your decision-making process to make an informed choice. He can help you weigh up your options and choose the right policy for your needs. 

It’s essential to get as many quotes as possible before making a final decision. Doing that helps to know where you stand with each insurer and how much coverage you could get elsewhere. 

The best way to do that is by speaking directly with an expert at a reputable insurance company. Remember that sometimes having more cover can save you money.

Make sure you get a courtesy car

Your insurer will generally provide you with a courtesy car while yours is being repaired whenever you have an accident. If you don’t own a car but use public transport, ensure your insurance provider covers taxis or local bus tickets. If it doesn’t, ask them to amend your policy or shop for better terms elsewhere. 

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This can save you hundreds of pounds if you’re in a minor crash and your vehicle needs repair immediately. Most insurers offer a 24-hour helpline to assist you when something goes wrong on holiday. Therefore, don’t hesitate to call them if necessary. 

It could end up saving you money. Some motor policies even include roadside assistance, which includes changing a flat tire and providing help in case of breakdowns. You should always check what is included before you buy your policy. 

It might also be worth buying additional protection like a breakdown cover. It can cost more than £100 to get your car towed home from a remote location. Do not leave anything valuable inside your car. 

There is no point in having comprehensive insurance if you leave valuables visible in your car. Thieves know where to look, so do not give them any reason to break into your car. Even if they do not steal anything, they may damage your property.

Conclusion

The entire idea is to enjoy maximum benefits at minimum costs. The goal of virtually every customer is to save more money. With these easy tips above, you can certainly get cheap motor insurance and still enjoy all benefits.

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