Everyone knows that car insurance is something they need to have, but in a security conscious age when we’re also watching what we spend, what can we do to help reduce car insurance costs? This article looks at five security factors that can not only improve the security of your car but also help to lower your car insurance costs.
1. Where you park it
Where your car is parked is something that insurers take into account when calculating how much you pay for your car insurance. As you might expect, parking it in as secure a place as possible will definitely be beneficial for your auto insurance quotes. For instance, many people park their cars on the road on a regular basis. In some places, this can’t be avoided and so there is little you can do about it, but many people have the option of parking their car on a drive or in a garage. This will make your car much more secure as it is less likely to get clipped by other, passing cars on the road.
2. Car alarm
Having a good alarm for your car that alerts you if anyone tries to tamper with the vehicle is another good option for people looking to improve their car’s security and reduce the amount they pay on insurance. Some cars come with alarms already installed, but if yours doesn’t then you can usually get one fitted fairly easily at your local garage.
3. Steering lock
Another good way to make your car more secure and harder to steal is to get a decent steering lock. These are relatively inexpensive to buy and make it much harder for anyone else to take your car, so they are definitely worth investing in. They’re useful whether your car is parked on your drive or in a public car park as they help to secure your car wherever you are. It’s certainly worth telling your insurance company if you have one as it might make it more likely that you’ll be able to get a good, cheap car insurance quote.
4. Wheel locks
This is a security addition that is very useful if you have alloy wheels: a good set of wheel locks. Alloy wheels are more likely to be the target of thieves than ordinary wheels and having them on your car can also add to your car insurance costs as they count as a modification. You can help to combat this, however, by using wheel locks that make it much harder for the alloy wheels to be removed.
Finally, if your car has an immobiliser (a special, extra key that the car won’t work without), this is something else that you should tell your insurance company as this might also help to bring down your car insurance costs.
Overall, security is not the only factor that dictates how much you pay for your motor insurance, but it’s definitely an important component of it. Having a car that’s safe and secure is naturally beneficial and gives you peace of mind; the fact it can help to reduce the amount you pay for your insurance is really just the icing on the cake.
*Note: This article was submitted by a virginmoney.com representative.