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Saving Money on Car Insurance Quotes

Comparing car insurance quotes is only one of the means that you have to save money on your anual motor¬†insurance. There are many things that you can do to save money on your car insurance and lower your monthly premiums, though some things you can’t change.

You can do nothing about your age or gender, as well as the amount that you will pay for the neighborhood you live in. However, there are a few things that you can do to help lower your premiums and save money:

Your Car

The car you own is actually able to save you a good deal of money on your monthly premiums, and you should take your car into account when searching for car insurance quotes.

  • The cheaper your car is, the lower your insurance premiums will be. Your car is insured according to its market value, and buying a cheap car means that you will end up paying less every month for your insurance.
  • Cars that are very popular are more expensive to insure, thanks to the fact that they are more likely to be stolen. In order to lower your insurance premiums, try buying a car that is not popular or very attractive to thieves.
  • Cars that have been modified or enhanced are always more costly to insure, mainly because the value and risk of a modified car is much more difficult to calculate. The enhancements made to the car not only increase their value, but they also increase the likelihood of it getting into an accident.
  • Unique, vintage, and imported cars are always more costly to insure, mainly because their values are hard to estimate as well. A vintage or unique car is usually priced according to the desire of the purchaser, meaning that there is no way an insurance company can place an accurate value on the car.
  • The less mileage you have on your car, the lower your insurance premiums should be. If you are looking for motor¬†insurance quotes on a car that has less mileage, most insurance companies will offer lower premiums because it means that your car hasn’t seen a lot of use.

Risk

The risk of your car directly influences your insurance premiums. If you are living in a dangerous area, then the risk of your car increases along with your premiums. If you want to reduce risk, try parking your car in a protected parking area, or paying to park inside a parking complex. Installing a car alarm system can also help to reduce your monthly premiums, as it reduces the risk of your car being stolen.

Discounts

All of the insurance quotes that you find will offer a special, limited time offer or discount. In order to find the best prices and premiums, make sure to claim these discounts. Other discounts include that given to those who have no record of accidents, those who have been with an insurance company for a number of years, discounts on eco-friendly vehicles, and discounts for those with families.

All of the above factors can help you in your search for the lowest priced car insurance quotes, and you may be able to save a bit of money by following the above tips.