Car insurance experts are advising drivers to stick with a time-tested strategy to help lower their premiums. According to Auto Express, shopping around remains the best way to secure a more affordable car insurance policy. Steve Walker, head of digital content at Auto Express, emphasized that this advice is just as relevant today as it was in the past. He warns drivers not to automatically accept their insurer’s renewal quote and encourages them to compare prices from different providers before making a decision.
Walker notes that while price is important, the level of coverage should not be overlooked. “If the worst happens, a policy with more comprehensive cover could be well worth the extra cost,” he says. Drivers should carefully consider how they use their car, as factors like lower annual mileage and parking off the road overnight can also reduce insurance costs.
Additionally, refraining from making modifications to the vehicle helps keep quotes down. Walker stresses that it is crucial for drivers to be accurate when filling out insurance forms, as incorrect information could affect both the premium and future claims.
Simple Steps Can Make a Big Difference in Premiums
Beyond shopping around, there are other straightforward ways motorists can save money on their car insurance. Using an alternative, but still accurate, job title description may help lower costs. Adding a named driver to the policy can also lead to savings for some motorists. These small adjustments can make a significant difference when it comes time to renew or purchase a new policy.
In summary, experts urge all drivers to take an active approach when searching for car insurance. By comparing different policies, being honest and precise on application forms, and considering practical changes in usage or coverage, motorists can keep their premiums as low as possible while still maintaining adequate protection.
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