If you gave me a choice between shopping for motor car insurance and chewing on aluminum foil, I would have to think hard about the choice. That’s how little I enjoy shopping for car insurance. And I enjoy paying the monthly car insurance premium bill even less. Unfortunately, those two activities exist in diametric opposition: the degree of effort expended in finding a good car insurance quote is inversely proportional to the degree of pain each month come bill-paying time.
So despite its unsavory nature, collecting a motor car insurance quote portfolio is in your best interest. Doing a bit of due diligence in the near term can save you thousands on your monthly car insurance premium costs, and even more than that in the unfortunate even you happen to become involved in an auto accident.
This is particularly the case if you’re harboring a young driver under your roof. Young driver car insurance is notoriously ruinous, for good reason. Young drivers are notoriously risky buggers to insure. They text while they should be signaling, they talk on phones while they should be watching road signs, and they drive faster than their under-developed driving instincts can truly handle. As a result, they’re involved in a disproportionately high percentage of the motor car wrecks on UK roads. In fact, over one in three young drivers will be involved in some sort of claim-producing accident in their first year of motoring.
There are a couple of things you can do in order to reduce your premium costs each month. First, mind the p’s and q’s yourself. Your entire insurance portfolio will cost less if your driver record isn’t riddled with violations and citations. Second, be sure to bundle all of your motor car insurance policies with the same provider. Finally, investigate whether you qualify for any affinity group discounts. Following these steps will ensure that you get the maximum discount on your motor car insurance premium.