Car insurance. It’s something all drivers must look into at some point in their lives. For many, the idea of paying for something you may not even need can be frustrating. And there’s nothing duller than having to search for a new provider or deal when it’s time to renew. It seems that car insurance is just another expense that makes the cost of living feel even higher.
Believe it or not, it doesn’t have to be this way! Finding the right insurance provider for the right price doesn’t have to be difficult or a slog. Insurers like Qantas provide policies that suit your lifestyle and your needs. Including fully comprehensive, third party and third-party fire and theft policies, as well as plenty of additional features like hire cars and towing services. If you want to make the most of your insurance costs, then discover more information about Qantas car insurance, here.
But the savings don’t have to stop there. There are plenty of other ways you can cut the cost of your car insurance, right now. Read on to find out more.
Make yourself a low-risk driver
Insurance premiums are considerably lower for those who can demonstrate that they are low-risk drivers. Drivers with experience, no claims and those who are older often benefit from cheaper premiums and peace of mind. This can be frustrating, particularly for young drivers who are just as responsible but have their age and lack of experience working against them.
However, by making changes to your driving habits now, you may be able to benefit from lower premiums by proving that you’re just as low-risk as other drivers. Start by driving less! When you declare your predicted annual mileage, keep it low and don’t be on the road as often. And keep yourself out of trouble on the roads to build up your first year of no-claims.
Consider a black box
Another way to prove you’re a competent and safe driver who shouldn’t have to pay high insurance costs is by having a black box installed in your vehicle. Incredibly popular with young drivers in Australia, these small devices monitor your driving behaviours and highlight your safe driving practices. Which in turn, lower your insurance premiums.
Choose a safer and cheaper car
The make, model and power of your car has a lot of influence over how much you pay for your coverage. A simple, modest car with a smaller engine will be much cheaper to run and insure than something with modifications, a larger engine and higher running costs. If this is your first car, then it’s sensible to drive something you can handle safely.
And finally, make security a priority
The harder it is for your vehicle to be damaged or stolen the cheaper your insurance will be. If your car is more likely to be stolen because it’s parked on a dark street without any kind of immobiliser or security protection, then your premiums will reflect this.
If your car is fitted with security alarms and immobilisers, a steering wheel lock, and is parked in a garage, on a driveway, or somewhere with security, then you’re less likely to be stung by high insurance premiums.