Car Insurance premiums & excesses

To save on your *Car Insurance premiums, its as simple as paying attention to the following tips:

• Be straight forward and honest when it comes to your budget. If the insurance company knows how much you can afford, chances are they will negotiate a fair rate with you.
• Take some time to think about the excess amount you choose. If you choose a high excess amount (i.e., the amount you are liable for when you have an accident or your car is stolen), your monthly insurance premiums will be lower. However, be careful not to choose an excess amount that you won't be able to pay if needed. A lower excess amount might result in higher monthly premiums, but at least you know you are able to afford the excess when needed.
• Consider buying a reasonable vehicle as this will guarantee reduced insurance premiums. Purchasing a high performing car of great value will guarantee you high premiums to match.
• Safe parking for your vehicle is essential. When your car is parked on the streets, then your *Car Insurance premiums will be very high. Cars parked behind secured gates or in a garage will have lower car insurance premiums.
• Always be careful and alert when driving. Those who aren't involved in a lot of accidents and don't claim often will enjoy lower premiums and in some cases, even cash-back rewards.
• Consider not adding a courtesy car as an option to your plan. This facility is normally catered for as a low additional fee with your monthly premiums. If you do not require a courtesy vehicle in the event of an accident, then your premiums will be slightly less.
• So start saving now by applying the above tips and guidelines. You now have all the information to make a wise and informed decision that will protect you in the case of a vehicle accident or theft.