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When buying a car or a van some people may concentrate on the overall cost of the vehicle and overlook other running costs. A legal requirement in a lot of countries, car insurance is one of the costs that can vary quite dramatically. Getting insurance for your motor is not as easy as it sounds, and with so many different providers offering up different deals, benefits and also penalties, it can be a hard decision to make. Especially when you just want the best cover for the lowest price. However, there are many general tips to take into consideration to obtain a better insurance quote. Here are some of the things to think about.
Changes to the vehicle to help with insurance quotes
One of the first things you could consider is fitting an alarm to the vehicle if it doesn’t already have a manufacturer fitted one added. This shows an insurance company that your car or van has an added security system. Another thing to think about might be that you could consider where the vehicle is parked at night. It is a question that a lot of providers will ask you. Parking it on a driveway or off the main road can help you to have better security when it comes to your car or van. Meaning no unexpected accidents can happen. When it comes to your quote the best advice is to be honest, as well as make changes to help the provider give you the best possible quote.
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Do you do a lot of mileage?
A car or van can be used for much more that leisure purposes, so it is ideal to have a clear idea on the amount of mileage you do each year. By informing the insurance company of fewer miles, your vehicle is less at risk. Of course, be realistic, as there is no point in lying or deceiving a company. This could result in a calm not being paid. Just give an honest account of your mileage, don’t overestimate.
What about if you use your vehicle for business?
Another thing to think about would be whether you use your vehicle for business purposes, this is more often in the case of a van. Where it can be used for your as a way of earning an income. Getting cheap van insurance quotes is what you want, but it can vary from company to company, so it is important for you to get as much information as possible and taking into account the other points raised to get a decent price.
What about your personal driving ability?
Sometimes we don’t want to admit when we have made past mistakes, but if you have points on your license, declare them. If you have someone else who needs to drive the car, add them to the policy. If there has been an accident or a claim made in the past tell them. The issue with not being upfront with these things can mean that if you do want to claim that the provider has every right not to pay out. You may think you are doing yourself a favour initially, but the risks far outweigh the savings. You might also want to consider adding things like a tracker to your car or van, this can show faith in your driving ability and also have a hand in bringing the cost down.
Let’s hope this helps you to get the best deal on your vehicle insurance.
