Age Drivers over the age of thirty can feel the benefit of the driving experience they have earned
with discounted premiums. One reason for this is that it has been proven that older drivers are less
likely to make a claim.
Consolidation If you have more than one car then try to insure them with one company. Get a second car discount on your insurance policy provided by its4me.
Excess All car insurance policies will carry with them a minimum level of excess, but if you decide
that you would rather pay a higher voluntary level of excess then you could find yourself paying lower
premiums.
Mileage Drivers whose mileage falls under a set limit will find themselves earning a discount on
their premiums. As low mileage motorists are simply not on the road as much as other insured drivers,
it stands to reason that they represent a lower risk.
Named drivers Reducing the amount of named drivers on your policy can significantly reduce your
insurance premiums. Try not to include any named drivers on your policy unless it is absolutely necessary,
although its4me can offer you spouse discount on some policies.
No claims discount Depending on the number of years no claims discount that you have earned, your
premium will be reduced by a certain percentage. In some cases a good no claims bonus can earn you a discount
of up to 60% or more. It is worth while remembering that no claims discount is only calculated in full years, or
periods of twelve months, so try and avoid cancelling your car insurance policy mid-way through an annual term.
Safety and security features Always remember to give full details of any security features your car
has, like alarms, immobilisers or trackers, as you may benefit from insurance premium discounts. Extra safety features
like crumple zones and side impact features may also help to reduce your premium.
Vehicle type Cars are allocated into one of twenty groups according to classifications drawn up by the
Association of British Insurers, and premiums calculated accordingly. Visit the ABI website to find out
the grouping of your vehicle or prospective purchase.
Take an advanced driving test This will make you a better, safer driver.
Get breakdown cover and legal cover to protect yourself against having to pay out lots of money for
events not covered by your policy.
