Car Insurance - how to reduce premiums

by David Hunter

One of the most popular transports in the world is a car. It is
very convenient not to wait for the public transport on a bus
station, but drive your own car at the most suitable time for
you. It saves your time, because you can get to the point of
destination in less time then if you used public transport. This
and other factors are the reasons of the growing popularity of
the private transport.

However, there are some downsides as well. Car ownership is
always associated with different risks. You can become involved
in an accident, or your car may break down or be damaged, saying
nothing about the risk to be stolen. That's why car insurance is
mandatory in many countries, particularly in UK, Continental
Europe and Northern America. Car insurance eliminates the risk
of the unexpected financial burden associated with the above
mentioned factors and allows drivers to feel themselves more
confident.

So, every driver needs an auto insurance policy, but the main
point is that it's not always possible to get car insurance at
the desirable price. And this is the very reason why many people
hate to pay insurance premiums and would never do it, if they
had a choice. In fact, a lot of car owners and drivers pay high
insurance premiums just because they do not even know they could
pay less. It can be surprising for many of us, but this is an
incontestable fact. People buy insurance policies from the
companies they have been dealing with for many years thinking
they are offered the best possible price. They do not take into
consideration the fact that insurance market is ever changing
and new opportunities emerge occasionally. Insurance companies
offer discounts from time to time and newly established
companies enter the market every year. It makes sense to spend
some time searching for a better deal and learning more about
available options.

Amazing, but you can influence on the level of your insurance
premiums. Car insurance costs depend on different factors and
one of them is the type of vehicle you whish to insure. If your
car belongs to a high-risk group of vehicles, then insurance
company will most likely increase insurance premiums for you.
Most insurers, if not every, have statistical data of most
stolen car models. If you plan to acquire a new car and aren't
willing to pay high insurance premiums, make sure you dream car
isn't "black-listed" by insurance companies and if it is, may be
you should consider buying a different model.

Your gender and age also impact on the insurance premiums.
Females are considered as less risky drivers then men hence they
pay fewer premiums. The same can be said about young drivers.
They also belong to a high-risk group. So, if you are a
21-year-old male, forget about low insurance premiums till you
25th birthday.

Most insurance companies offer special discount to those who
have a clear driving record. It's quite obvious that clear
driving record proves you are a responsible driver hence less
expensive for insurance companies, which allows them offer you a
better deal.

Before you purchase or renew your auto insurance policy make a
little research of the insurance market. Use the Internet for
it. It takes a few hours to find and compare quotes of different
insurance companies. You can also approach an insurance agency.
They will do their best to find the quote that meets your
requirements. They are professionals and are able to look for
the necessary information almost instantly.

Sheilas' Wheels is
a web site dedicated to women car insurance in UK.

About the author:
David Hunter is an author from California. He is a professional
insurance agent and works in insurance business for many years.
David plays golf and drives sports cars.