Cutting Costs: Tips for Lowering Car Insurance Premiums


Cars, trucks, SUVs and other vehicles drive through traffic on the 405 freeway through Sepulveda Pass in Santa Monica, California on August 25, 2022 – Copyright Sony Interactive Entertainment Inc/AFP –

It’s unlikely that many people will want to pay more for their car insurance, especially during the global cost of living crisis. However, many people pay more than necessary.

While many can’t control the meta-factors that can increase their car insurance, such as age or years of driving experience, there are a few tips and tricks that can help.

That being said, Chris Lear, MD of insurance broker One Sure Insurance provided Digital diary with five tips that can help readers save money.

Install a black box

Installing a black box or telematics box in your engine will track your driving and potentially reduce your insurance. If it shows you are driving safely, following police rules, you pay less on your insurance.

This is especially good news for new drivers, because what you pay is based on your driving liability, rather than how an insurer predicts you’ll drive.

Try paying directly

It may be tempting to spread the cost of insurance over the year; However, many insurance companies can add up to 30% to your annual sum by taking a monthly premium.

If you’re struggling to pay the full cost of your insurance all at once, you can save money by using a 0% interest credit card and paying it off monthly instead. This way you avoid the additional costs of an insurance company.

Plan your insurance in advance

Many drivers try to get their auto insurance on the day they need it, but this can affect the quote you get. Be sure to give yourself at least two weeks before you need your insurance to start. Insurance companies can charge hundreds of pounds extra if they know you need the insurance to start the same day you seek a quote.

Plan ahead, and give yourself time, your bank account will thank you later.

Don’t set your mileage too low

Many people fall into the trap of setting their mileage too low, thinking it will save them money on insurance. However, setting your mileage too low can mean you pay more for your insurance, especially if you’re driving for the first time. This is because insurance companies will classify you as a high-risk driver. After all, you don’t gain experience on the road by driving frequently.

Clear cache or use incognito mode while browsing

If you’re shopping around for a quote, be sure to clear your cache or go into incognito mode for your browser. The files are saved to your browser when you search for a quote online, and therefore insurance companies can identify when someone has been searching for a quote for a while. Clearing cache or using incognito mode means that when you decide to purchase insurance, you won’t be charged any additional fees.

Plus, using a broker is another way to save on your car insurance. A car insurance broker is a person or company that will help you find car insurance quotes on your behalf. You tell them your personal details and requirements, and they’ll come back with a list of options that can meet your needs. Use Google to find a reputable broker who can help you find smaller insurers that aren’t listed on price comparison websites, but may offer cheaper deals.


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