Are you renewing your car insurance policy very soon? You might be surprised to know that a vast majority of people don't compare insurance companies when it's time to renew their policies, eventually passing up on big car insurance discounts. If you're not satisfied with your current policy and want to find a cheap car insurance policy, it might be time to consider switching. Here are some tips to help you score a lower premium and get more savings.
It's relatively easy to do this though many of us don't, especially if you are busy with work, life and family. This can however be a costly mistake. Nowadays, it only takes seconds to look up car insurance providers online and get quotes. You can compare policies, review features, and check what features fit your needs best. Spending an hour comparing policies is better than getting stuck with an expensive car insurance policy for a year or more!
Get the discounts you’re entitled to
Make sure you give accurate information, here at PD Insurance we reward drivers with a number of discounts for different reasons, like having a multi car policy or being loyal. In addition, you may be eligible for a discount if you haven't made any claims in previous years, which can significantly reduce your premium costs. So make sure you’re giving the most accurate snapshot of your circumstances in order to maximise the discounts you are entitled to.
Maximise the discounts on all your vehicles
If your household has recently purchased a second car, you could end up saving more with a multi car insurance policy than with individual policies. At PD Insurance our drivers have found that their policies are an average of $505 cheaper when they take advantage of this feature.
Adjust your excess
If you’re a safe driver and less likely to make an at fault claim, you may want to consider adjusting the excess payable should you find yourself needing to claim. This means you’d be paying a smaller amount for the policy and still enjoying all of the same benefits and coverage.
Remove the unnecessary add-ons
If you’re driving needs have changed and you have multiple commuting options, you may find that you don’t need a replacement vehicle in the event of an accident. Making this decision early and removing this from your policy will save you money. At PD Insurance we have a number of flexible options like this that are designed to help you save money on your car insurance policy.
Dot your i’s and cross your t’s
If you've made a decision to switch insurers, review the cheapest car insurance policy to ensure it has everything you need so that it is the right decision long term.
At PD Insurance we have a number of added extras and flexible options that ensure you can customise your policy to get a great price. Our drivers also enjoy extra discounts for things like home ownership, multi car policies, being claim free and paying in full.