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Most people feel that they would rather avoid the topic of car insurance. This can usually conjure thoughts of a large monthly fee, and lots of fine print. Luckily there are ways and means of obtaining a lower insurance premium, without having to take out the lowest coverage possible.

Firstly, if you are still looking at which car to purchase, take the time to consider the impact on your premium that your choice of car will have. Most cars are rated by insurance companies according to their history of accidents and theft. Vehicles that are notorious for being a high theft risk and which are known for being involved in accidents will be more expensive to insure. Some vehicles that have been tested and are known to have increased safety features will also be cheaper to insure.

Think about the amount of time you spend on the road. Stop driving unnecessarily! The less you are on the road, the less chance you have of being involved in a collision. Getting involved in car pooling could also save you a lot of money on petrol, and will lower your risk of being involved in an accident. There are auto insurance companies that offer insurance on a pay as you drive basis, which means that the less you drive, the less you pay. This can be a good incentive for cutting back on your mileage and thus protecting the environment whilst lowering your chances of having an accident!

Another option to look at is to combine your insurance policies under one company. Some insurance companies will offer discounts to clients who put their health, life and household content insurance under them. You can find out what sort of deal you would get if you added your motor insurance to the policy.

Remember to get your hands on as many quotes as possible. The more quotes you have to choose from, the more informed your decision.

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