Four tips to help you get cheap car insurance
Car insurance premiums might be expensive, but they’re a necessary evil. You can keep costs down by comparing different providers and avoiding auto-renewal. But it doesn’t end there. Here are a few of our more unusual tips on cutting costs without cutting corners.
1. Clear out the garage
Lots of us keep the lawnmower and other bulky stuff in the garage. But this could be costing you money. If you keep your car in a locked garage, it’s less likely to be stolen – and your insurance provider might just give you a better deal. Don’t have a garage? Most modern cars are fitted with alarms and immobilisers. They could lower your insurance premium too, so make sure yours has anti-theft devices.
2. Don’t name names
When you’re thinking about named drivers, don’t name everyone that could possibly drive your car. Do you need your brother listed as a named driver, when he only borrows your car twice a year? Check with your insurer to see if you can add him temporarily instead, as and when he needs it.
3. Drive less
Whether you drive 12,000 miles per year or 10,000 can make a surprising difference to insurance premiums. Think about if you can cut your driving distance down by cycling to work or getting the bus – but remember that your mileage is easy to check. Under-declaring your mileage could lead to a claim not being met, so keep the figure as accurate as possible.
4. Be box clever
Young and new drivers can have a black box-style tracker installed, like our Box on Board device. It’s a device that sends data about your driving to your insurer. And if it shows you’re a sensible driver, you might save money on your premiums.
If you’re a young or new driver, O2 Drive Box on Board could mean cheaper car insurance. The device is fitted to your car and sends us data that could get you a discount on your renewal.