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Shop around and buy online. Many insurance companies offer discounts when you buy online, which works in your favour, as its also less hassle on your part. Don’t just go for the cheapest policy; make sure it is right for you. Always compare policies on a like-for-like basis in terms of what each policy covers and check the excesses levels and small print.

Build up no claims bonus. Taking out your own insurance policy will enable you to start building up your no claims bonus. You will then have access to a much wider range of insurers and lower rate premiums in the future.

Buy a car with a low engine capacity (a less powerful engine). Before you buy, always compare insurance premiums for different models you are considering. The cost of the car, engine size, repair costs, and safety track record will affect the insurance premium. Cars with a lower insurance grouping will be cheaper to insure.

Take ‘Pass Plus’. These courses are designed to make you a safer driver and many insurers will offer you a discount. The courses involve further lesson on how to observe potential hazards and driving in adverse weather conditions. This will also serve to lower your premium

Avoid modified cars. Insurers are likely to charge more if your car has been modified in any way. Any modifications – whether it be alloys, body kits, suspension upgrades, and especially supercharged engines – mean the factors on which your premium is based will change and insurers are likely to increase their premium.

Keep your car secure. A professionally installed approved alarm can save a great deal on your car insurance. Parking your car in a secure garage or off the road could save you up to 5%.

Pay a higher excess. If you choose to pay a higher excess (the amount you have to pay towards a claim) you can cut your car insurance premium. If you are a confident in your driving ability and are unlikely to claim then this is a good way to lower your premium.

Low mileage discount. Low mileage drivers will often be entitled to a discount, however never deliberately underestimate your mileage as this could cause problems when you claim.

Appropriate level of cover. Premiums vary whether you opt for Third Party Only, Third Party Fire & Theft or Comprehensive cover. Get quotes for all to see how they compare. If your car is of low value you could save by choosing Third Party cover. Remember that Third Party will only cover you against accidental damage to a third party vehicle, injury to third parties and liability to passengers in the policyholder’s car. Fully comprehensive car insurance covers against accidental damage to a third party vehicle and to the policyholder’s car, injury to third parties and liability to passengers in the policyholder’s car.

Often the next step after buying your new vehicle is to take out car insurance so you are protected if a collision occurs. Finding the best insurance deal is still possible during the recession and premiums can be significantly reduced if you shop around. Many drivers choose to purchase cars from websites and internet auctions and they benefit from the vast choice available online. Indeed, shoppers are likely to have found the number of cars available has recently increased, especially used vehicles.

Motor trade analysts, EurotaxGlass, recently released figures which indicate that the decline in enquires for new vehicles have had a positive impact on the used car trade. Retailers have responded to the decline by snapping up used cars, meaning that prospective motorists have more choice when choosing their vehicles. Consequently you may be able to find the car which is the cheapest for you to insure as premiums are dependent on the make, model and age of the vehicle.

Whether you choose to buy a new or used car depends on your budget but both have advantages and disadvantages in terms of motor insurance. For instance, if your car is fairly cheap to buy the insurance tends to be lower as parts are likely to be more affordable. However, if your motor is past a certain age Insurers can consider it unreliable and a hazard and consequently increase your premiums.

Newer cars sometimes have insurance included although if they are involved in a collision parts will be more expensive and when the time comes for you to pay the policy it may prove costly. An advantage with newer vehicles is that they often feature devices which make it difficult for the car to be stolen, such as immobilisers.

Car security can play a large part in the price of your policies and this means an older vehicle without anti-theft devices may prove more expensive in terms of insurance. When you are browsing for your car remember that the larger your vehicle the more costly your insurance payments will be. If you can get by with a small economical car you will reap the benefits as these kinds of vehicles attract the most affordable premiums.

Be aware that any cars you buy that have been modified can have a negative impact on your insurance. Modified motors significantly increase the amount you pay as the car is considered more of a hazard. Both new and used cars have higher premiums if they feature metallic paint as this is more expensive to replace than non-metallic varieties.

Although not a substitute for a long term insurance, short term car insurance proves useful if one needs a temporary cover while on a holiday or for an additional vehicle. This type of insurance is usually helpful when:

One has bought a new car but has not been able to sort out its full insurance The old policy has lapsed and the new one has not yet come into being.

With short term car insurance, it is possible to:

Add another driver for your vehicle Drive someone else’s car.

Although this insurance could be marginally expensive, one can become eligible to drive a car without making any long term commitments. However, short term car insurance policies may not provide cover for repair, which is generally covered by long term insurance.

What Does Short Term Car Insurance Cover?

Short term car insurance is available for:

Classic cars Vans Kit cars Modified cars Campers

The term for a short term car insurance ranges from one day to 11 months. Additional coverage can be obtained for the following for any damage occurring during the term of the policy:

Windscreen Audio system Breakdown

Some short term car insurance policies may also include foreign travel in the cover. People beyond 21 years of age are eligible to get short term car insurance for a car they intend to drive for a short period of time.

What are the Benefits of Short Term Car Insurance?

Obtaining a short term car insurance policy does not require much time. The process of acquiring this policy is much faster than that for a long term policy. The short term car insurance policies are also easily available over the net and individuals can choose from the several available options as per their requirement.

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