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Sunday, September 7, 2008
Reduced Mileage Could Mean Cheaper Insurance For Americans
At the moment when it comes to getting car insurance it can be a pretty expensive task, insurance companies seem to be under the impression that we're all driving round like potential bumper cars waiting for the next crash, 20 car pile up or car rolling down an embankment.
The truth is that by and large we don't often end up having to claim against our car insurance, but small portions of our driving brothers and sisters either drive without insurance or constantly have to claim, unfortunately driving our premiums up in the process.
There are a few other tips and tactics that insurers tell us will help drive our premiums down such as reducing the amount of time we spend driving, i.e. not using our car to get to work which would mean you'd get lower prices because you're not likely to be on the roads during high traffic rush hour periods.
The other main way we can help drive car insurance premiums down is to have a lower annual mileage. Currently we are asked our average mileage when we apply for car insurance but this is open to abuse with some people lying or simply giving an approximate answer because they do not know.
One scheme being introduced by some American insurance companies is to cut down on the ambiguity over drivers' mileage and to actively check odometers for the exact mileage. This pay as you go approach could mean that drivers who do not use their car as much as others will be able to get cheap car insurance as it would possibly help set the insurer's mind at ease over the potential risk you as a driver present to them.
Meanwhile over here in the UK it is worth trying to use your car less and to take an accurate note of your mileage so that if you are trying to get cheaper car insurance you may be able to achieve it by being more accurate with your usage.
The truth is that by and large we don't often end up having to claim against our car insurance, but small portions of our driving brothers and sisters either drive without insurance or constantly have to claim, unfortunately driving our premiums up in the process.
There are a few other tips and tactics that insurers tell us will help drive our premiums down such as reducing the amount of time we spend driving, i.e. not using our car to get to work which would mean you'd get lower prices because you're not likely to be on the roads during high traffic rush hour periods.
The other main way we can help drive car insurance premiums down is to have a lower annual mileage. Currently we are asked our average mileage when we apply for car insurance but this is open to abuse with some people lying or simply giving an approximate answer because they do not know.
One scheme being introduced by some American insurance companies is to cut down on the ambiguity over drivers' mileage and to actively check odometers for the exact mileage. This pay as you go approach could mean that drivers who do not use their car as much as others will be able to get cheap car insurance as it would possibly help set the insurer's mind at ease over the potential risk you as a driver present to them.
Meanwhile over here in the UK it is worth trying to use your car less and to take an accurate note of your mileage so that if you are trying to get cheaper car insurance you may be able to achieve it by being more accurate with your usage.
Labels: Reduced Mileage Could Mean Cheaper Insurance For Americans
# posted by gopi @ 9:40 AM 
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