A car is a necessity for most families. After all, it can ensure you get the kids to school on time. But it’s not the cheapest thing in the world to run. As well as the price of the car, you need to fork out for diesel, tax, and insurance. And as you may know, your car insurance can end up costing more than the car itself. Therefore, here is why your car insurance is costing your family a small fortune and what to do about it.
You are new to driving
The insurance provider will take into consideration how long you are driving when working out the charge for the year. After all, they expect if you have been driving for longer, you are less likely to get into an accident. Therefore, if you are a fairly new driver, you can expect the price to be more expensive. In fact, you might end up spending at least a thousand on insurance! Some providers will give new drivers cover for less if they have a box in the car. It records your speed and ensures you are driving safely. Or you can reduce the cost if you put a driver on the insurance who has been on the road for several years.
You have been in trouble with the law
You can also expect to face huge charges if you have ever been in trouble with the law when it comes to driving. Whether you were speeding or even drink driving, they will take it into account. After all, you might have had to make a claim to get professional legal representation for DUI cases. And they will take this into account when working out your charge so you can expect a huge bill. To help you get your insurance lower, you should look around at different providers. Some are a lot more lenient to previous charges so you won’t have to pay as much.
And remember honesty is the best policy. Otherwise, you could find you face a large bill at a later date if you lie and they find out!
Your car is the problem
If you are facing huge bills for your car insurance, you need to switch your blame to your vehicle. After all, the insurance provider takes your car into account when working out your insurance. So to ensure your bill is cheaper, you need to opt for a car with good safety features and is energy efficient. After all, these will both be looked on highly by your insurance provider. And if your bills are working out too much, it could be worth selling the car and finding a better option which is cheaper for you.
It’s so easy to get stuck with the same insurance provider. But unless you want to pay out a small fortune, you need to look around and compare other options. As we said before, it can make a big difference if you compare with other suppliers and see if you can get it cheaper. After all, you might actually be with an expensive insurance company without even realizing. And you can always ring your current provider with the quotes you have received to see if they can match it.