car insurance quotes – CompareInsurance.ae Blog

Choose your modifications wisely

The first thing to consider if you’re thinking about modifying your vehicle, is the kind of mods you want to have on your vehicle. If you choose mods that don’t alter the way your vehicle handles or drives, then your car insurance quotes should actually remain relatively static.

You will usually only experience an increase in insurance quotes if you begin to modify the engine, steering, braking, or running gear of your vehicle. Adding a body kit to your vehicle likely won’t cause your insurance to increase. Adding more power to the engine, on the other hand, probably will as you will be considered at higher risk of having an accident.

How to get the best quotes

The other way to make sure you get the best quotes for your modified vehicle is to arrange your car insurance online. This will give you the ability to compare car insurance quotes from a wide range of providers. If you have a list of modifications, you don’t want to have to put them into your search for every single insurer – it’s much easier to input them just once, and have multiple insurers able to provide quotes.

Something to remember is that modifying vehicles is now even more popular than ever before, and most insurance companies will either have specific insurance packages available for modified vehicles, or they will be well versed in handling customers requirements. They can assess what will affect your vehicle’s actual accident risk and what is simply a cosmetic upgrade, and make your insurance quote reflect that.

If you choose your modifications carefully, or use comparison quotes to budget the increase for performance upgrades, you can easily understand what you can comfortably afford. The use of an easy, effective car insurance quote comparison tool can be invaluable, and let you complete your searches in mere minutes.

Car insurance online is one of these necessary evils that all of us have to adhere to if we want to keep our cars on the road.

None of us wants to pay over the odds for our premiums, which is usually a key factor when comparing car insurance quotes. The surprising thing though is that not many people realise they can actually lower their monthly costs. Here we’ll look at 4 ways you can get better rates from your car insurance company and save on your annual outgoings.

Become a better driver

This does seem a bit of an obvious one, but there are a number of things you can do that will signal to your car insurance company that you’re a careful driver and in turn, will lower your motor vehicle insurance.

Look into completing an advanced driving course as many auto insurance companies will offer a reduction on your fees if they perceive you to be lower risk.

Check to see if your car insurance company takes into consideration the analysis of telematics. This is a type of ‘black box’ technology that can assess and feedback to your car insurance company how careful your driving is. See our car insurance tips on ways how to drive safer.

Easier said than done, but try not to incur any extra points on your licence if you can as this will stand you in good stead for preferential rates over time.

No Claim Bonus

The no claims bonus is the merit that insurance companies gives you in return of one full claim free year. Adding a no claim bonus reduces the premium at the time of insurance renewal. Some insurance companies accept a self-declaration from the customer that they have had no claims in the past years whereas other insurance companies accept the formal no claim letter from previous insurer. Getting a No Claim Bonus can significantly reduce the premiums and in some cases with a 3 to 4 year NCB, the premiums can be reduced by over 50%.

Increase the excess / deductible

This is the amount the insured person pays while making a claim on the car. The higher the amount the lesser the insurance premium. This means in the event of an accident or repair or theft, this is the amount that is committed by the insured person to pay from the pocket and the insurance company shall cover the rest of the claim amount.

All of these tips will help to keep your costs down and if you’re in the process of looking for discount car insurance, they should help with that as well.

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