Updated: Shop for a new insurance quote every year

There are several factors that could affect your insurance premiums, so it’s smart to get a new quote every year from your current insurer. You could also take it one step further by getting a quote from another insurer to assess if you could be getting a better offering elsewhere. It might take a bit of time and “admin”, but you could be saving money with a new or updated premium.

Did you know that MotorHappy takes the hassle out of finding new vehicle insurance? Click here to get started, we will shop around for the best insurance quote for you.

Shopping around also empowers you with knowledge to make better choices, and you’re more equipped to make decisions that are you good for your wallet, assuming you have decent cover.

If you’ve had any life or work changes, then let your insurer know as this could affect your cover and premiums. For example, if you previously lived in a complex under cover and with a 24-hour guard, and move to a house with no cover and in a higher-crime area, your premiums could go up. While this might seem like an expensive factor you don’t want to disclose, it’s imperative you do in order to receive full benefits if you claim. Alternatively, some things could lower your premium. These include:

Going on a defensive driving course

Going on an advanced driving course will improve a driver’s skills. Insurers will assume you are a safe driver.
Read more: The benefits of an advanced driving course

Driving safely

This sounds obvious but driving cautiously and within the speed limit will decrease your chance of an accident, which will have a positive effect on premiums.

Installing a new safety device like a tracker

The “safer” or more likely it is that your car will be recovered if stolen, the lower your premium will be.
Read more: How to keep your car parked safe

To get a free car insurance quote, head here. MotorHappy has partnerships with most car insurers and can get you accurate quotes quickly. They cover cars for theft and hijacking, accidental damage, accident damage and third-party damages.