How to lower car insurance premiums

How to pay less car insurance premiums

To keep your car insurance premiums low, it's important to revisit your current policy and compare it against other products. If your car has modifications, you may be paying extra to cover them. Also, consider how you use and secure your car every day.

Sheen Panel Service knows car insurance just as well as we know smash repairs. We have decades of experience working with insurers to get cars back on the road. If you want to take the stress out of fixing your car, call Sheen first and let us sort it out.

What does my current policy say?

It's a good idea to reevaluate your policy every year. Reading fine print might not be fun, but it can yield savings for the savvy driver.

Consider losing some extras to keep your car insurance premiums low. If you are paying for things like Extended Warranties, Gap Insurance, and Windscreen Replacement add ons, it might be time to shave some additional benefits off.

Young drivers on your policy can increase your premiums by over $300 per year. If your kids have flown the coop and no longer use the family cars, you might consider changing your policy.

If you're willing to pay a higher excess, you might pay lower yearly premiums. Safe drivers can benefit by paying less each year, but more in the event of an accident.

How do I compare and pay for my insurance?

• ‍Shop around. Policies vary between insurers, and so do prices. Before you settle on one, make sure you have several quotes from different sources in your back pocket.‍
• Buy online. Insurers like to keep the phone lines open, and will reward tech-savvy customers. Purchasing online can yield cashback deals or generous 10% discounts on premiums.‍
• Consider paying month to month. While it won't save you a lot over the lifetime of your policy, you will be able budget more effectively each month, leading to savings elsewhere.

How do I use my car?

Modern car insurance policies are no longer one-size-fits-all. Tailored policies allow for any number of amendments to suit their holders, many of which can lead to lower yearly premiums.

• Location. Driving in urban areas increases your premiums because of heightened traffic density. If you've moved out to the suburbs, it's time to revisit your policy.
• Security. Save on premiums by keeping your car locked in a secure place, whether it's at home or in a monitored public garage.
• Daily use. Many car insurance policies will offer savings if you drive less than 10,000km a year. Ride your bike or catch public transport during the week for some serious savings.

Your insurance policy may provide hire cars while your car is being fixed. This can be an expensive and unnecessary. If your car needs repairs and cannot be driven, call Sheen Panel Service. We can can provide accident replacement vehicles to you while we repair your car.

Is my car modified?

The little things always add up. The same is true for car insurance. Small modifications can make you pay much more than stock parts. Insurance companies will usually cover the following modifications with higher premiums:

• Electrical upgrades like headlights, alarms and stereo systems.
• Mechanical additions like alloy wheels and chrome exhausts.
• Other additions like bike racks and bull/tow bars.

For more extreme add-ons, you should go with a speciality insurer that caters to racing, vintage or sports cars. General insurance policies will not cover the following additions:

• Nitrous, hydrogen or other supercharged engines
• Custom paint work and detailing
• Harnesses, roll bars, cages or other racing equipment

Am I ensuring that my car is secure?

Using your car responsibly has its own rewards. This means more than driving between the lines and going the speed limit. Everyone should strive to be the best driver they can, but the easiest way to save money on your car insurance is to make sure your car is secure.

• Park in legal spots. People will be less likely to deface your car.
• Hide your valuables. Leaving laptops, cameras, even spare change in plain sight is a bad idea.
• Roll up the windows and make sure the doors are locked if you leave the car unattended.

Call Sheen Panel Service

Insurance policies protect drivers from the financial burden of accidents. No matter how well you drive or how comprehensive your car insurance policy is, things still go wrong on the road. The most important thing you can do following an accident is to start the claims process as soon as possible.

[nearest_workshop][/nearest_workshop]

Sheen Panel Service has decades of experience dealing with insurers in the fallout of road incidents. If you've been in an accident, call Sheen first. We can also tow your car, start repairs, and liaise with your insurer to get your claims process underway.