There are numerous options open to driver’s to reduce their premiums and get really cheap car insurance cover – so what do you look for?
Some of the more common include:
-Increasing the excess. This means you pay more if an accident happensand less, through lower premiums, if it doesn’t. It’s a calculated riskyou take based on your driving history and current circumstances.
-Choosing between Comprehensive or Fire, Theft, Third Party only.Points that might influence this decision include the age and conditionof your car. The danger here is not being covered for collision, thennot being able to buy back into another car.
Due to recent statistics on road accidents concerning drivers under 25,many insurance companies now include Nominated Driver Discounts thatoffer a reduced premium if the customer guarantees only pre-selecteddrivers over the age of 25 will drive the vehicle.
Nominated Driver Low Kilometre Discount is another initiative designedto reward drivers and is popular for senior drivers or for the family’ssecond car because it offers a lower premium if the vehicle travelsunder 10,000 kilometres a year.
Make and model of vehicle will definitely influence the premium withmodified, high performance and top of the range cars costing more toinsure.
Naturally, aspects such as where you park your car over night, i.e. ina carport or locked garage, and what security devices there are, willalso impact on your overall premium.
But it’s not just the up front, standard aspects of insurance you needto consider when making a choice based on price. Online auto insurancecompany, 1 Cover, offer a range of benefits that include approvedsecurity device discounts, 12 month new car replacement, funds towardsovernight accommodation and transport after an accident, up to $1,000for a hire vehicle if your car is stolen and lifetime guarantee onrepairs so long as you own the car.
Online companies invariable also offer a 10% discount which can add upto a hefty discount off the total premium while many reputablecompanies also include the freedom to choose your own repairer andoffer monthly payments at no extra cost.
Here’s one you may not have thought through. Some companies havestarted offering discounts to children of existing customers. While onthe surface this may seem a good deal, by making some comparisons youmay come up with cheap car insurancecover that is even cheaper due to your circumstances, and with aninsurer who offers the best options and coverage for you. For morediscount options, 1 Cover can be contacted via www.1cover.com.au.

Author Bio: Peter Smyth is Marketing Manager at 1Cover Car Insurance, offering cheap car insurance cover online. Get discount car insurance quotes online with no fuss today.