We check out the best ways to get a cheap motor insurance quote
If you're sick and tired of being quoted over the odds for your car insurance, rest assured that there are certain things you can do to ensure you get yourself a cheap motor insurance quote - or at the very least, one that's cheaper than the sky high ones you're used to .
Examine Your Needs
If you're the type of driver who only needs to be on the roads during certain times, such as during the daylight hours, you can likely negotiate a cheap motor insurance quote by leveraging the fact that you'll be off the road most of the time.It might not sound like the most foolproof of ideas, but the fact of the matter is that the less you're on the road, the less likely you are to be involved in an accident, which means that the insurance company is much less likely to have to pay out against your policy.Many isurance companies will offer discounts for younger drivers who commit to driving only during daylight hours. Since the majoirty of accidents involving inexperienced drivers happen during hours of darkness, those of you who don't need to drive at night can save a pretty penny on your insurance premium by asking about such offers.Additionally, if you find that you drive very little, it's possible for you to get a policy based on restricted mileage over the course of the year. By estimating how many hours you expect you'll drive over the course of twelve months and then adding a little bit for leeway, you'd be surprised at the savings that could be available to you.
Be Smart - Pay for What You Need
In order to get a genuinely cheap motor insurance quote, the best thing you can do is figure out exactly what you need the car for, how often, and when. Once you've figured all that out, it'll be easy for you to put together nice savings plan to pitch to insurance companies. Obviously your driving experience and record will help, but if you're willing to commit to only driving for, say, 10,000 miles a year, then you should be able to see a reduction in your premium.