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A mere thought of a safely net to count on each time you get involved in a car accident would give you peace of mind. Surely, you don’t want to think of any emergency expenses all the time. But if that safety net costs you so much, then you may be getting a good protection yet certainly hurting your pockets. The essence of a safety net is spoiled and the idea of a good protection is wasted. That is why as a first time car insurance buyer, you have to realize that is it not enough to buy any car insurance policy that is suggested by a friend or similar to your parents.

Assuming that you are at the right age, already have obtained a driver’s license, have purchased a vehicle, have learned the terms and the different car insurance policies, then you are ready to buy your car insurance; the best place to do it is online.

However, shopping for car insurance online can still be very confusing if you are just armed with the above assumptions. Here are the step by step procedures which will help you in your pursuit for car insurance online:

1. Shop around

Search for different car insurance companies. Also look for sites that offer free quotes. This will enable you to know the exact amount you will have to pay for your car insurance policy. Search for car insurance company websites that offer online support. Read financial strength ratings of different car insurance company. You may want to visit Standard & Poor’s ratings and the A.M. Best regarding this information.

2. Be ready with the information you need when you ask for quote

These are: home address, previous car insurance details, driver’s license number, details about your car to be insured (model, year, and VIN), driving history, car’s use (business, leisure, etc), mileage per year, and so on. Have them with you once you begin researching.

3. Learn the tricks on savings

There are several factors that influence the amount of your car insurance policy; factors like your location, age, gender, status, credit rating, car’s security (anti-theft) system, number of years as a driver, driving history, etc. Some of them you cannot change while some can. Learn to lower down your premium using these things.

For example, a person with a clean driving record can get a cheaper premium compared to those who have received few tickets purchasing for the same coverage. Another example would be: purchasing a policy with the highest deductible you can afford can lower your premium. Also, a car with security and anti-theft devices such as airbags, car alarms, automatic seat belts, and tracking systems has a lower premium than cars without. There are several of these, know them all and you will surely get the most out of your coverage.

4. Get car insurance quotes from at least 3 sites

Different car insurance companies offer different prices for the same coverage. Make sure you get at least 3 car insurance quotes to know which company offers the best price for the same protection.

5. Weigh and select which one offers the best

Now that you have the quotes from different car insurance online, you have the final say on which one will serve you best.

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If you?re fed up paying too much for your car insurance duck2water (www.duck2watercarinsurance.co.uk) have put together the top ten ways you can reduce your premium without reducing the level of cover:

1.Buy online
Buying online can save you time and money. Companies who spend millions of pounds on advertising or run large call centres have to cover these costs somewhere, and they do so by adding these costs onto the price of your insurance premium. Although online insurers do have overheads, they are much less than high street and telephone insurers, which means they can offer car insurance at up to 60%PRCTG% cheaper than other companies.

2.Drive a cheap and less powerful car
Car insurance companies calculate their premiums on the basis of the car engine size, the probability that it will get stolen and the cost of repairing it. Although smaller cars such as Ford Fiesta?s and Renault 5?s are more prone to being stolen than larger saloon cars, they are cheaper to repair or replace and are therefore cheaper to insure.

3.Build up a ?no claims history?
Car insurance companies give discounts for safe drivers with a good no claims record. By building up your no claims history you can benefit from a reduction (up to 60%PRCTG%) off your premium, and this discount can be transferred from company to company.

4.Increase your car security
More security means lower risk for your insurance company and you can benefit from cheaper rates by locking your car in a garage a night, or installing an insurance company approved immobiliser or tracker.

5.Increase your voluntary excess
By deciding to pay a higher excess it also means you?re less likely to make a small claim on your insurance and are therefore considered a lower risk.

6.Obtain more driving qualifications
The Pass Plus qualification costs between ?100-150 and involves taking lessons in different driving conditions such as at night and on the motorway. By becoming a more skilled and experienced driver most insurance companies reward their customers by reducing their premium. As a result, the qualification usually pays for itself within the first year of qualifying. Another option is the advanced driving test, but this can take much more time to pass than the Pass Plus.

7.Use your car less
Clearly, the more you use your car the higher the probability is that you?ll be involved in an accident. As a result people who travel hundreds of miles every week are likely to have a higher car insurance premium.

8.Don?t get on the wrong side of the law
Insurance companies don?t like motoring convictions as they mean a driver is seen as a higher risk. Certain motoring convictions are considered worse than others, for example drink driving offences mean that your premium will be double the usual rate.

9.Reduce the number of people under your policy
The more people on your insurance the more you?ll have to pay. So, if possible try to have as few drivers on your policy as feasible.

10.Live in the countryside
As a general rule, the further you live away from a city the cheaper your car insurance is likely to be. By living in the city your car is more likely to be stolen or be involved in car accident. You can save up to 50%PRCTG% on your car insurance by moving from the city to a rural location.

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