The law requires that any car be insured. The economic crisis has caused many drivers to cut costs and now look for cheap car insurance. The final price depends on different factors. If you keep them in mind, finding cheap car insurance will be easier for you.
If you want to reduce what you pay premium, but without losing the coverage of your policy, compare offers to get a cheap car insurance. The market offers a wide range of cheap car insurance, with different guarantees, which are adapted to each driver. However, for the same user and for the same characteristics, prices may vary depending on the insurer. Hence the importance of looking for the best conditions and cheap car insurance that best suits your needs.
What aspects make your insurance cheaper?
Generally, the smaller the coverage, the cheaper the car insurance will be. And although we recommend that you do not base your decision only on the price, it is also possible to make the opposite mistake: buy an excess of coverage, some of which are unnecessary, which significantly increase the price of the policy. If you decide for cheap car insurance, read the contract and check if it includes all the guarantees you need. And it is that opting for cheap car insurance does not have to mean giving up good protection of your vehicle.
If you are looking for cheap car insurance and your car is more than three years old, it is advisable to buy a third party policy, at a lower cost than a full risk. To reduce the price, the most direct formula is the hiring of a franchise. However, before opting for this option, analyze your own driving history. Do not forget that with this mode of cheap car insurance, you agree to pay a fixed part of the repair of the vehicle in case of accident, so it is recommended for good drivers, who have no casualties, or for those who use little Car.
In this sense, being a good driver also has a prize when it comes to finding cheap car insurance. Having a clean history of accidents is associated with being a less prone to accidents, something that insurers value and compensate with a reduction in the policy.
In order to reward good drivers, there are insurers that have launched different initiatives. This is the case of Línea Directa, which offers cheap car insurance to those drivers who maintain the 15 points of the driving license, or Direct Insurance, which discounts good drivers up to 60%. Also Mapfre YCAR insurance allow young people to access cheap car insurance if they prove they are good drivers, thanks to a device installed in the vehicle.
Watch your history as a driver
Another aspect taken into account by companies to offer cheap car insurance is the absence of fines. On the contrary, a person with fines will pay more to insure their car, since insurers consider that they are facing a driver with more risk, that by not respecting traffic laws is more likely to suffer or cause an accident. Also, the more years of driving experience you have, the easier it will be to find cheap car insurance. That’s why it’s a good idea to buy a policy to your name from the beginning, in order to create a history, from which you can later benefit.
