Practical Ways To Reduce The Risk Of Claiming On Your Car Insurance
We all need car insurance to legally drive our cars on the road. If we don’t have any valid car insurance whilst we’re driving, and we get pulled over by the police, this can result in serious consequences for us such as potentially losing our driving licenses, having to pay large penalty fines and in some cases we might even need to go to court!
Losing our driving licenses can also affect other areas of our lives too. For example, if we have a job where a large part of our work involves driving company vehicles, we would lose our jobs as a result of having no driving license; as you can see, the consequences just don’t bear thinking about! You can visit this link to get more information about it.
For some people, car insurance can be quite costly, such as those that have just passed their driving tests, or young and inexperienced drivers. Apart from contacting various car insurance companies for the cheapest insurance deals, did you know that you can also ‘do your bit’ by ensuring that the likelihood of your making a claim is as low as possible?
Here are some practical steps that you can take to ensure claim-free motoring!
Take an advanced driving course
One of the best ways of avoiding making any car insurance claims is to be a better driver. Whilst it is true that having plenty of driving experience will help you to be a better driver, some people tend to pick up bad habits (such as driving without indicating).
Therefore, I would strongly urge you to sign up for an approved advanced driving course. I say approved because you will likely find that car insurance company will give you a discount off your policy if you can prove to them that you’re a good driver (such as taking part in an industry-approved driving course).
Plan your journeys carefully
If you tend to drive to places without planning your journey carefully and properly, you will increase your chances of being involved in a car accident, and subsequently, have to make a claim on your insurance.
According to Pentagon-Group, it pays to plan your journey. For instance, you could ensure that you only drive in favorable weather conditions, avoid driving at night, and so on.
Drive a car that is cheap to insure
It stands to reason that if you buy a big V8 muscle car, you are going to pay a huge amount of money for your insurance, as opposed to something that is more economical on fuel and cheaper to maintain and repair.
If you feel that you simply must have a “fun” car, consider using that car only in your leisure time and buying a cheaper everyday car which is more practical and affordable.
Avoid driving during peak hours
Some of the biggest claims that are made by car drivers happen to be during peak rush hour traffic. If you can, consider driving before or after these peak hours, so that there is less of a risk of being involved in a car accident.