Selfemployed 4x4 Car Insurance

How to get a cheaper premium

With a bit of know how, there are ways that you may be able to reduce your car insurance premiums – legally!

The first option is to shop around. Premiums can vary wildly from provider to provider and sometimes you are just paying for the name! Use the internet to do your research as it is quick, free and easy.

Once you have found three quotes that look attractive to you, then you need to contact the insurers directly and get a full quotation, making sure that all the ‘plus’ points that we discuss below are mentioned!

Firstly, increase your voluntary excess. By increasing your voluntary excess, you can save money on your premiums. This is because you are taking some of the ‘risk’ away from the insurer as they will be liable for less to pay out should you need to claim.

Ensure that you know your car - ie its anti-theft features and safety features such as airbags, antilock brakes etc. These should help lower your premiums.

Finally, do you have a garage? And do you put your car in it or is it full of junk?! If it is the latter, then take the rubbish down the tip and start using your garage. Cars that are garaged overnight attract a discount.

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