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text 2017-06-28 07:21
Donavan Insurance Group: Find cheaper car insurance with our money-saving tips

With daily car journeys a necessity for many families, it’s likely there are few of us who could seriously consider life without our own motor. But when your car insurance renewal quote arrives on your doormat, you could be forgiven for thinking again… Perhaps even for hunting out your local bus timetable.

 

Auto insurance can be a major cost for motorists who already face high fuel prices, paying for regular MOTs and services and of course covering the cost of the vehicle they drive each day.

 

If you’re looking to find cheaper cover, try these tips for lowering your car insurance costs.

 

  1. Compare car insurance online

 

Shopping around for auto insurance is often a simple but effective way to reduce the price you pay for cover. Insurance companies rarely offer their very best deals to existing customers, instead reserving their cheapest possible prices for new customers. Compare cheap car insurance quotes to see how much you can save by switching insurers. Just remember to make sure you are comparing like for like cover, with voluntary excesses set at the same level and including any extras that you’d usually add on.

 

  1. Increase your excess

 

Opting for a higher voluntary excess when setting up your car insurance cover is another way to reduce your premium. As a general rule of thumb, the higher your excess, the lower your premium - so experiment using our car insurance comparison tool to see how much difference an increased excess could make to your annual auto insurance costs. Remember, though, that you must be able to afford your voluntary excess. If you need to make an insurance claim, you’ll be required to stump it up before your insurer will pay out.

 

  1. Go no-frills

 

Think carefully before adding extras, such as legal expenses cover, windscreen cover or use of a courtesy car to your car insurance package. While insurance companies are often enthusiastic about their value and they might come in handy, they are not strictly necessary - and including too many add-ons could significantly bump up the price of your policy.

 

  1. Think about the distance you drive

 

Before buying car insurance, think carefully about how far you really drive in your vehicle each year. If it’s possible for you to agree to a lower annual mileage cap than you did last time you bought insurance, it’s possible you’ll save money. This is an especially helpful tip for two car families, where one vehicle is likely to do more miles in a year than the other - but where this sometimes isn’t obvious until both cars’ odometers are checked.

 

  1. Don’t pay by direct debit

 

While spreading the cost of your auto insurance might feel less painful than paying for your premium in one go, it will probably cost you more in the long run. Many insurance companies charge interest when customers opt to pay for their insurance monthly, so check before you sign on the dotted line. If your insurer’s policy is to charge interest but you would like to spread the cost of your cover for free, you could consider using a 0% purchase credit card to pay for it - just be sure to clear your balance in full before the 0% period ends.

 

Our mission is to protect and enhance the financial resources of our clients, thus ensuring their security and quality of life, by providing sound professional management service.

 

Donavan Insurance Group Services Inc. was established in 1986 as an independent insurance agency with a reputation for Superior Service. Donna Martin-Boseker, who has been in this industry since 1976, had previously worked in the agency when it was known as Domex Insurance. She purchased the business in 1986 and renamed it Donavan Insurance Services Inc. We represent the best interests of our clients and tailor solutions for their specific insurance needs. We offer a broad portfolio of insurance carriers with highly competitive rates. Our coverages include all forms of business and personal insurance.

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text 2017-06-27 07:12
Donavan Insurance Group: The 6 secrets of cheap car insurance quotes

 

Sometimes car insurance premiums make sense. People living in places with more car crime or who have more expensive cars pay more, for example. But they're far from the only thing insurers up your premium for.

 

Insurers have gone as far as working out surgeons normally have more accidents where they were to blame than any other profession and building society clerks the fewest. They know Virgos were worst for accidents last year, but Pisceans had more convictions.

 

That means they will up your premium based on age, sex, job, post code and where you park as well as what you drive.

 

But car insurance providers don't have to have to have it all their own way – we’ve found six ways to get cheaper car insurance that they’d really rather you didn’t know.

 

  1. Use the right job title

 

If you describe yourself as a “chef” when filling in your car insurance application your average quote is £98 higher than if you write “kitchen staff” comparison site GoCompare.com found – and it’s not just cooks that have this problem.

 

  1. Add another more experienced driver to the policy

 

It’s a crime to say someone who isn’t the main driver of a car is, but adding a secondary driver is perfectly legal - and more than that, it can save you money.

 

  1. Never leave it till the last minute

 

Searching around and switching car insurance three weeks before your renewal date, rather than on the day, saves you an average of £280, comparison site Comparethemarket found – with even bigger savings available for younger drivers.

 

  1. Get some cash back

 

Comparison sites make money because when you switch products with them they get a referral fee from the insurer. But if you’re clever, you can get that money yourself.

 

  1. Pay up front

 

Did you know that many insurers charge interest on your payments if you spread the cost over the year? Well, they do. an average of £62 more Moneysupermarket worked out. So if at all possible, pay up front.

 

  1. Cut your extras and boost your excess

 

What’s included in your car insurance quote? Breakdown cover? Windscreen cover? Theft from the car? Driving abroad? Personal accident cover? A courtesy car? Every extra adds to the premium. More than that, a lot of them might already be covered by things like your travel insurance, AA membership, home insurance or even your bank account.

 

Our mission is to protect and enhance the financial resources of our clients, thus ensuring their security and quality of life, by providing sound professional management service.

 

Donavan Insurance Group Services Inc. was established in 1986 as an independent insurance agency with a reputation for Superior Service. Donna Martin-Boseker, who has been in this industry since 1976, had previously worked in the agency when it was known as Domex Insurance. She purchased the business in 1986 and renamed it Donavan Insurance Services Inc. We represent the best interests of our clients and tailor solutions for their specific insurance needs. We offer a broad portfolio of insurance carriers with highly competitive rates. Our coverages include all forms of business and personal insurance.

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