10 tricks to save on your car insurance

So that your car insurance does not empty your pockets, take note of these 10 keys to get the most out of it and save a few euros:

Profile of the insured woman

Despite the clichés, insurance companies consider that women have less risk of road accidents. This is demonstrated by data such as that they commit fewer offenses than men, or that only 1.17% of people serving sentences for Road Safety offenses are women. For these reasons, car insurance premiums for women are often lower than those for men.

Put the policy in your name

In some homes, everything to do with the car and insurance is still a “them” job. We recommend that, if you are going to be the usual driver of your vehicle, you subscribe it in your name. You will win.

Compare prices and stick to budgets

When hiring a product or service, women usually stick to their budget. Today there are some offers on the market that adapt to the needs of women, but it is best to compare between companies, since the price difference can reach 50%. Online comparators allow you to find the right insurance quickly and reliably.

What use do you give to your car? The power increases the price

This is one of the keys when it comes to saving, both in insurance and in the car, since insurance companies consider that the risk of an accident increases with a more powerful car. Women tend to opt for cars with fewer horsepower than men, which means less speed and less risk. Before buying a car, think about what use you are going to give it, either for work reasons, or because you will dedicate it to errands, taking the children to school…

Add-ons in the car increase the price of insurance

Car manufacturers are launching special versions for women that include accessories such as shiny windows, special enamel, and silk mats or even LED mirrors for touch-ups.  Keep in mind that the price of the policy will rise considerably with each of these additions.

Increase the safety of your car

All women are concerned about safety related to their vehicles. It is important to keep in mind that parking the car in a garage or adding an anti-theft alarm can lower the price of insurance.

Be a good driver

Insurance companies know this. Not giving reports and avoiding risky behaviors behind the wheel helps reduce the price of insurance and obtain bonuses. Some companies reward female drivers based on the points they have on their driving license.

What kind of policy do you need?

Depending on the type of car you have, you can opt for one type of policy or another. From four years old in the car, a third-party policy with some additional coverage is recommended. If your car is new, we recommend an all risk or extended all risk policy. Check what type of roadside assistance your policy covers, in this way you will avoid surprises.

The franchise lowers the price

For those women who need to save on insurance, there is an option to consider. The franchise payment saves the insured an important part of the price of the policy. In consideration, the driver will be responsible for paying a fixed amount in the event of an accident and the rest will be paid by the company. It is the ideal solution for cautious drivers.

In insurance there are also deadlines

As in other sectors, the world of insurance is increasingly flexible in terms of payment methods. Today there are many options to pay the insurance premium: annual, quarterly, semi-annual and even month by month.

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