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Although
there are many tips that can aim to guide
you to lower insurance premiums, very
little is mentioned in what NOT to do,
so that you don’t inadvertently
increase your car insurance premiums.
Past Convictions?
Driving
convictions come in many forms; whether
you are found guilty of simply driving
through a red light or speeding, or of
causing a multiple vehicle pile-up on
a motorway, you will end up paying for
it through your insurance premiums. If
you have convictions such as these against
your name, you will find it harder to
find suitable insurance, you will have
to pay higher premiums to compensate for
the increased risk with which you are
viewed by the insurance provider, and
you may have to pay higher excess before
you can be issued with insurance.
Insurers always take a serious view to
driving convictions; in particular those
related to drink-driving. Because this
act is viewed as the most irresponsible
action a driver can take, any policy,
regardless of the price of it, may be
hard to come by for a convicted drink-driver.
If they are lucky enough to find a provider
that will serve them, they may not qualify
for full cover, and be restricted to the
legal minimum level of cover for a number
of years.
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Location
The
location of your home can also greatly
affect the amount of money you pay. A
driver who lives in a rural area or in
a suburb, and has their vehicle safely
locked in a garage when not in use will
generally pay a lower premium than someone
who lives in the inner city, where their
vehicle is most likely parked on a street
at night and any other time where it is
not being used. |
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Occupation
Your occupation is taken into account
by providers; if you are in a hazardous
career, you will generally pay higher
premiums. The occupations that are viewed
as hazardous can change between companies,
but they can still be quite strict. For
instance, journalism is viewed as a high
risk career due to the amount of travelling
involved. Your health will also play a
part in determining your premium; particularly
if you have a history of health problems. |
Car
Insurance 
