Simple tips to pay less for your car insurance or motorcycle

We do not offer miracle solutions but little tips and tricks that you will certainly save money on your car insurance premium.

Put your insurance to a competition - To lower car insurance premium the first thing to do is put your insurance in competition with others. To make a comparison of car insurance is a simple, little that you can make substantial savings. Take your phone and your phone book or do your quotes on the Internet! Note that your insurer takes into account your estimate of the competition and negotiate a discount; you must make estimates with similar guarantees.

In your contract you must watch guarantees and underwriting franchises. On your last receipt you look at the bonuses you get. Make sure the franchiser is listed on the competitors list that means they are commonly used by insurers for their less expensive than their competitors.

Group your business from one insurer - Most insurance companies offer reductions to their "complete customers", i.e. those who have supported all of their insurance contracts with their services. Subscribe your insurance (auto, home, health, welfare) with the same insurer you will probably benefit from a reduction immediately. If no reduction has been granted you do not hesitate to estimates from competitors and to make an appointment with your usual adviser to show your quotes. You'll be in a strong position to negotiate a better rate on all your contracts. It is better to consolidate its contracts with one insurance company to benefit from tariff advantages, but also to simplify your efforts in case an amendment (change of address, car) or question about your guarantees.

Select the annual payment form - Choose the payment from the insurers take a management fee for paying by check. Also, choose the annual payment rather than a split payment (monthly, quarterly). Most insurers take a fee for the splitting of payments and more often you split your payment your insurer will take over management fees.

Also for the same risk (car, bonus) an insured paying his monthly premium by check pay more than a setting provided by the annual levy. Check with your insurer.

Accompanied driving - each insurance company has its own underwriting rules, but they give almost all reductions if you change the license as part of the channel together. According to the insurers, the young driver surcharge is divided by 2 in the first year and lost the second year, others will remove the entire premium dice the 1st year. In short, the accompanied driving is the right plan for young drivers, who can help you reduce your auto insurance premium up to 50% the 1st year.

Courses - Some insurers offer driving courses. Besides being a great experience for young drivers, these courses allow for a reduction or even elimination of surcharges "novice driver". Some car insurance companies are even better and give you lower your premium reduction coefficient.

Finally, insurers have reduced rates for children of their policyholders. So the last good plan is to make estimates (eg. on Internet) and contact the insurer of your parents. The quote you will negotiate with your auto insurance premium, the insurer will surely be ready to make a gesture of goodwill to keep your parents as customers.