Recepción a MineralWells.com

<head><meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" > <meta content="http://www.deskshare.com/st.aspx" name="Site Translator"></head> 15 maneras de bajar su cotización del seguro de coche por: Andrew Bowen 1. Haga compras alrededor La diferencia en precio entre las varias compañías puede ser significativa. Qué una compañía puede considerar un factor del alto riesgo otra compañía puede no visión como tan importante. Las compañías de seguros llegan un precio para su seguro de coche agregando o descontando el dinero después de que cada respuesta que usted da a las preguntas le preguntan. Cada compañía tiene sus propias reglas en cuanto a lo que ella considera debe aumentar o disminuye su premio. Haciendo compras alrededor de usted consiga una lista mejor de precios para comparar. 2. Buy a lower group car One of the important factors that insurance companies take into account is of course your vehicle. There are thousands of different cars on the road so companies divide them up into groups. Most companies will adopt the ABI (Association of British Insurers) group rating. This splits up vehicles into 20 different groups. Generally speaking the higher the group rating for your vehicle, the higher your premium will be. Some companies may also combine your driving experience with the vehicle group to get a better idea of how high the risk is. This is one of the reasons why young drivers should consider buying a lower group car if they want to lower their insurance cost. 3. Considere la cubierta de los terceros solamente Una póliza de seguro de los terceros solamente es la cantidad mínima de cubierta requerida legalmente - es también la más barata. Generalmente el discurso de usted debe considerar el optar por este tipo de política si su vehículo está de valor bajo. En el acontecimiento desafortunado del tener un accidente, cualquier daños a un vehículo de los terceros serán cubiertos pero ninguna daños a su vehículo no es. Sin embargo, si su vehículo está de poco valor entonces usted no puede ser referido también. Puede no valer el pagar extraordinariamente una política completamente comprensiva en estas circunstancias. 4. Mantenga un buen crédito Más y más compañías de seguros están adoptando técnicas que anotan del crédito como parte del cálculo total de su prima de seguro de coche. Guardando una buena historia del crédito usted puede evitar cualquier premio adicional que las compañías agreguen a su precio para tener una mala cuenta del crédito. 5. Compra en la tela Muchos abastecedores del seguro ahora ofrecen algunos buenos descuentos para comprar la política sobre el Internet. La teoría es ésa comprando su seguro sobre la tela, usted está ahorrando el dinero de la compañía no requiriendo tiempo del agente de los telesales y no incurriendo en costes del free-phone. Este ahorro se pasa encendido usted en la forma de un descuento para comprar en línea. Si usted tiene los precios por el teléfono entonces comprueban su cotización otra vez en su Web site, usted pueden ser sorprendidos en cuánto más barato es. 6. Tenga un exceso voluntario más alto Durante el proceso de la cita le preguntarán cuánto exceso voluntario usted desea tener. Las compañías de seguros generalmente incluirán exceso de una cantidad obligatoria en la política pero le darán la oportunidad de aumentar esto si usted desea. Más es el exceso voluntario más bajo su premio debe ser. Sin embargo, en el acontecimiento de una demanda, usted tendrá que pagar una cantidad más alta usted mismo, hasta la cantidad total de exceso en su política. 7. Reduzca su kilometraje anual Cuántas millas usted hace un año es una pregunta común que puede afectar su prima de seguro de coche. Más millas usted hace el más su premio es probable ser. Quotation systems and telephone agents will often suggest an amount of miles for you. Try and work out how many miles you will genuinely do. It may be less than the amount suggested. Of course, you should always give an honest answer to this and other questions. Get a cheap UK car insurance quote from <a href="http://www.acceptdirect.co.uk" target=new> http://www.acceptdirect.co.uk </a> 8. Keep a clean driving record This may be easier said than done. However, by having few or preferably no driving convictions, you can avoid being penalised by increases in your car insurance premium. Getting caught with a speeding fine is often not the only financial penalty you incur. Las compañías de seguros toman muy seriamente todas las convicciones que conducen y es generalmente una parte importante de su proceso del grado. Usted puede contar con un aumento en el coste de su seguro si usted consigue cogido con una convicción que conduce, así que paga ser un conductor seguro. 9. Demanda de la subsistencia libremente Este lazos adentro cuidadosamente con el número 8 arriba. El factor más grande que afecta el coste de su prima de seguro de coche es cuántos ningunos años de la prima de las demandas usted tiene. . Full No Claims Bonus is generally considered by most companies to be five years or more, this can give you huge discounts, in some cases up to 75% . . By being a safe driver and avoiding potential claims, you can continually benefit by building up your number of claim free years. . Every additional No Claims Bonus year you get, the lower your car insurance cost should be. . Some companies give you the option of paying a bit more on your premium to protect your No Claims Bonus. . 10. . Be realistic about the value of your car . Most of us have an inflated view as to what our car is worth. . When asked the value of your vehicle during the insurance quotation process, people will often state an amount that is unrealistic and above the real value of the car. . People do this as they believe that this is what they will get back from the insurance company in the event of a claim. . The reality is that the company will only pay out what the car is worth at the time of the claim and not what you stated for the quote. . In fact, by giving a high and unrealistic value, you can increase your car insurance premium as this is often a factor affecting your final price. . 11. . Remove unnecessary named drivers . Additional drivers on your policy usually mean a higher premium. . A lot of people add a number of extra drivers on the policy just in case that person needs to drive the car. . However, having all these drivers will push up the cost. . By only naming drivers on the policy that will definitely driver the car, you can lower the final cost. . If you find that an unnamed driver needs to drive the vehicle then most companies will allow you to temporarily add a new named driver for a small cost. . 12. . Improve your car security . Theft of and from your vehicle are important considerations when insurance companies calculate your price. . Most companies will give you a discount for having better security of your vehicle. . An alarm and immobiliser will usually attract a small discount whilst having a tracker device installed may give you a larger reduction. . Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price. . 13. . Take an advanced driving test . Although not compulsory, taking an advanced driving test can not only improve your driving skills but also help to lower your car insurance premium. . Some companies look favourably on people who have taken the advanced test as it shows commitment to safe driving thus lowering the chance of having a motoring accident. . 14. . Pay your premium in one go . By paying for your car insurance all in one go, you can avoid paying additional interest charges that would be added on if you opted to pay by instalments. . The interest charges can be quite significant, so if your finances allow, you can save a good amount of money by paying for the whole lot up front. . In some cases, companies may even give you a small discount for doing this. . 15. . Get married . Okay so this may seem like a dramatic final way to lower your premium. . However, a number of insurance companies offer lower premiums when your named drivers are insured and spouse as opposed to two unmarried drivers. . Some companies believe that this shows an element of stability which is a hallmark of safer drivers and give you a discount on this basis. . Copyright &copy; 2004 Accept Direct Limited <a href="http://www.acceptdirect.co.uk" target=new> . http://www.acceptdirect.co.uk </a><table width=100% cellpadding=8 cellspacing=0 border=0 bgcolor=#dddddd><tr><td> . About The Author . Andrew Bowen is the CEO of Accept Direct Limited. . Accept Direct sell low cost UK car insurance through their website <a href="http://www.acceptdirect.co.uk" target=new> . http://www.acceptdirect.co.uk </a> </td></tr></table>