Vehicle owners’ prime concern must be insurance coverage, so their car is covered for unforeseen times. However, with so many insurance companies on the block, how do you find reliable insurers who provide the vehicle owners with the provisions they are looking for at affordable pricing? For this apparent reason, vehicle owners need to compare car insurance thoroughly to find a worthy policy and purchase car insurance online.
Car owners usually think about how they can reduce the premiums they ought to pay. Out of the many ways car owners can bring down their overall expenses, availing discounts is one way. Moreover, the conditions under which the discounts are applied are pretty straightforward. So you may exploit them to save a little money in your wallet. This article shares the most common discounts (subjected to specific conditions) given to their policyholders by the vehicle insurance providers.
Exclusive Driver Discount
If you are the only person who drives your car, you would be eligible for this discount. This is because car insurers respect drivers who take great care of their vehicles, whether by not getting involved in car accidents or not giving away their rides to others.
Not claiming through the period specified by the insurer qualifies you for a claim-free discount. Sometimes, when your vehicle is damaged by an unexpected road event and requires minimum fixing, you may take your ride to a local car servicer yourself to get it corrected instead of making a claim. The cost of repairs may be relatively less compared to the NCD amount.
Annual Payment Discount
You may choose to pay the premiums monthly, which may attract a higher price from some insurers, or make a one-shot payment annually and avail of reduced premium prices. When you get an insurance policy for a discounted price through an annual fee, why would anyone want to pay monthly, right?
Early Shopper Discount
Requesting a quote early works in your favour. How early? Before your existing policy expires, we say. Contact the insurance provider if there are any discounts in doing so for you, then ask for a quote while your current policy is still on.
Less KMs, Lower Premium
Some insurers provide a pay as you drive option. Though it isn’t a discount, drivers can explore it to save some money. For a person who drives rarely, this can work out well. The driver has his insurance premium set as per the range of kilometres he plans on driving. Can you see how one can lower their premium with this option?
Choose Your Excess
Many insurers give you an option to choose your excess amount. Such insurance providers offer you a lower premium price if you opt for a higher excess, and vice versa. Weigh your options to know if it suits you in the long run.
We recommend talking to the insurance providers to know what they are ready to offer you. Every company has distinct policies in place. Eventually, it’s you who needs to decide, keeping in mind the things necessary for you. Compare car insurance regarding the cover, optional extras and discounts as well as the exclusions, and purchase car insurance online that is most economical for you.