Everyone can find cheaper car insurance if they try

While car insurance rates seem to keep rising higher and higher lately, anyone can still find cheaper car insurance if they try – and even though you may think it’s a Herculean task to do so, there are a few relatively painless ways to get the best deals, experts say.

Finding low cost car insurance in the current economic climate can seem like an uphill battle most days, especially with car insurance companies passing on the costs of rising car accident claims.  However, one of the best ways to reduce your premium payments is to look over your policy and see if you can’t increase your voluntary excess, as doing so will reduce your premiums in return.

Before you make any changes to your excess, make sure you know what it is you’re getting into.  Your voluntary excess is the amount of cash you’ll have to pay out-of-pocket in the event of having to make a claim for damages, and while it’s easy to think to yourself that your careful driving will ensure that you’ll never have to worry about it, you shouldn’t take chances; make sure you set your excess to a level that will be affordable for you to pay in case an unforeseen accident does occur.

Of course, many motoring experts say that those with higher voluntary excesses tend to be slightly more careful drivers, as they are keenly aware of how much it will cost them if they do get into an accident.  However, no matter how responsible you are behind the wheel, you can’t control the actions of other users of the road, these experts added.

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