Improving your vehicle security could lower your car insurance premium
Some insurers will apply additional discounts to your car insurance if you have approved alarms, immobilisers and/or tracking devices fitted to your car.
The reason for this is that it reduces the chance of your car being stolen which would result in you making a claim.
If your online quote for car insurance asks you to provide alarm or immobiliser details, make sure you fill in the details so any additional discounts will be applied for you. On the other hand, the request for security information may be a requirement of the policy in order to provide theft cover on the policy.
Remember that to keep any online discount that you are given, you will most likely have to purchase the policy online, rather than over the phone.
Our full list of car insurance providers who provide online quotations can be found here.
- Buy online - the easiest and most obvious one! Most insurers offer some kind of incentive for you to buy online. Click here for over 30 online car insurers.
- Shop around - it's a free and very competitive market, so don't be afraid to shop around and see who can offer you the best service at the best price for you.
- Voluntary excess - by simply increasing your voluntary excess (the amount you agree to pay towards a claim) your insurer will likely reward you with a lower premium.
- Keep all your eggs in one basket - insurers like customer loyalty and will likely reward you for having multiple polices with them.
- Take the right level of cover - consider the value of your car when choosing a level of cover. Is an insurer likely to write your car off instead of repairing it on comprehensive cover?
- No claims discount - you've earned it so try and keep it. NCD has a huge impact on your premium. Only claim if you really have to. A scratch is easily fixed by yourself or a friend and really shouldn't warrant a claim.
- Ditch the kids! - 'fronting' a policy for your children no longer makes financial sense.
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