15 Advice to Reduce your Car Insurance Costs

The cost of car insurance can take a large part of your driving budget, but does not have to be this way.

There are 15 advice to help you reduce the cost of insurance on your vehicle new:

1. Shopping:

Association of British Insurers (ABI) believes that you can save as much as one-third of your annual premium, simply by shopping around.

2. Limit the number of people allowed to drive the car.

3. excess demand

Most insurance policies cover the excess charge (ie the amount you have to pay for any repairs). If you are willing to pay the increase can get more cuts

4. Do not use your car for work

Insurance policies that cover only "social fun, local and" usually cheaper.

5. Approval of a cap on the number of miles

This can earn you a discount simply because the cars that are on the road are often less likely to be involved in an accident. AA Insurance believes that the acceptance of the annual cap of 12,000 miles to earn 5 to 10 per cent discount. 5,000-mile cap can earn more. It is particularly useful for families with more than one car.

6. Avoid brokers

 Purchase through intermediaries can increase the cost of insurance by up to 30 per cent.

7. buy online

Many auto insurance providers offer a discount of 5 per cent for transactions over the Internet.

8. consider reducing Ahadjmalsearat of least value and the engine is smaller teams where insurance is less.

9. Keep your car parked in the garage

You can save your car in a garage or on a drive instead of on the road take between 5 and 10 per cent of your premium.

10. Ask for a discount

Some insurance companies only offer you a discount because they want custom.

11. Find ways to protect your

Some policies allow you to deliver the demands within certain circumstances you have to pay a small premium up front, but it can save you a fortune in the long run.

12. installation in your car black box

This is where the insurer install a device that monitors how you are driving a car. You can also agree on a curfew at certain times in the day. It works especially well for young drivers.

13. improve your driving skills

Pass Plus driving test, or similar qualification, and can lower your premium cost.

14. Do not assume the cheapest cover third party

Third-party insurance is the legal minimum, which covers damage to the property of others and the cost of any compensation for the injuries. However, this is not always cheaper than a full comprehensive coverage, which covers your own car as well,

15. Do not pay by direct debit

To pay your insurance in monthly installments - and not in a lump sum annually - makes it seem easier. But it is likely to cost you between 10 and 25 per cent increase.

Maintenance and repair of the car

Maintenance and repair of the car:
Operations can maintenance and repair of your car potential to cost your budget allocated to the car so much, even though they are necessary expenses. Automotive service professionals will know, whether it is the owner of the workshop, Undersecretary of cars, gas station or technical examination center, how to inspect your car, from engine parts to the glass through the signal lights and disclosure reforms to be carried out and the pieces that need to be changed.
Car maintenance well limit the risk of failure, and even from accidents, because it is better to respond in difficult situations.
On the other hand, regular maintenance managed to keep your wealth, where your car keeps a high value.

How do I take care of the car engine?
- Engine
Must repeatedly scan the oil level, once a week at least. To do this, the vehicle must be in a horizontal position and that the engine is turned off for a quarter of an hour before. The oil standard, optimum oil level is near the limit, but must not exceed in any way.
For some cars, low consumption of oil is normal. Follow the instructions that appear in the Factory Directory is desirable.
Overall, the process is performed to change the oil every 7,500, 10,000 or 15,000 km, depending on the type of car. You must change the oil, which works against the detention of dirt, with every change of the oil refinery (for diesel engine) or when oil change twice.
- Petrol engine or a diesel engine?
Whether your car is equipped with petrol or diesel, it is best to check out of the car every 8 months. Regardless of the technical examination process or the usual oil change, there are several things you should pay attention to it: Change the oil refinery, refinery dust, check the battery status, brake fluid control, distribution and pipe belt scan (Eldoret).
At the expiration of three years or 60,000 kilometers cut, you must change the candles combustion in gasoline engines and Algaswal refinery in diesel engines. It should be noted that the refinery soiled or old candle combustion can lead to high fuel consumption and harm the engine of your car and also Bmazanikm!
Pay attention to the weakness of the first Mahrkkm: Maybe it's time to visit the mechanical workshop to carry out the examination marks.
- Cooling
Necessary to conduct frequent monitoring of the level of the coolant, which must be located between the quotation minimum and maximum phenomena on the bowl expansion. We should not hesitate to re-fill it up to the required level, when the engine is cold, of course.
The coolant level in the radiator directly lose (Radiator) If the car is equipped with potted expansion. Again, it must be the engine cool.
- Tubes (Eldoret)
Cracked pipes must be changed without delay.
- Ventilation belt
It must be properly taut and should not be torn or dowry.
- Ignition
Candles combustion: It is recommended to inspect the situation on a regular basis. It is necessary to be replaced every 20,000 km of new candles of the same type. If not Troukkm handicrafts, it is best to leave this task to a specialist.
Battery: should the internal fluid level regularly lose, and is recommended in the event of falling level allocated to it by filling the battery fluid. And operation of the vehicle to avoid problems, it is advised to clean both sides of plug in the battery from time to time.
- Windshield Wipers
It advised to change the windshield wipers each year at the onset of winter, and generally begin to leave the protective effects of the wind. You should lose windshield wipers fluid level regularly.
- Triggers system
Almost it must be inspected every 20,000 km and it is better on a private platform.
- Brakes
In addition to the continuous monitoring of the level of brake fluid that enables the detection of damage or brake the leak, on a regular basis must be done to change the brake fluid, which begins in damage over time. That too is a specialist in this process.
- Wheels
It should not be showing cracks or rupture. Inspected in particular the erosion of the rotation bar which should be flat. Otherwise, it will lead to an imbalance in the affected balance wheels, either front or rear.
- Tire pressure
You must be inspected every 15 days. And it must do examinations and repairs when they are cool wheels. You should not hesitate to over-inflated slightly (about 200 g) when the vehicle is loaded or when a long commute on the highway.