Car insurance is mandatory and can also be expensive. Fortunately, there are several ways to save on your insurance premium. We give you five tips that can help keep your car insurance premium low.Choose your own coverage
You make your own choices regarding coverage. For example, you can opt for basic coverage such as third party liability, third party liability + limited comprehensive cover and third party liability + full comprehensive cover (also known as all-risk). You can expand the basic coverage, but that is not necessary. This way you can put together the car insurance that suits you and keep the premium low. For example, if you have an older car, it is not always necessary to take out comprehensive insurance. Take a good look at the coverage you choose and make sure you are not underinsured.
Increase your deductible
By increasing your deductible you can save a lot on your premium. The following applies: the higher your deductible, the lower your monthly premium. It is important to realize that if something happens, you will have to pay a higher amount yourself. It is therefore important to see what is feasible for you.
You choose where you have your car repaired
If you choose to have the repair carried out at an affiliated repair company, you can often use free replacement transport. But if you prefer to choose your own repairer, that is of course also possible. Please keep in mind that you may not have the same benefits as with an affiliated repair company. So consider carefully what is important to you when choosing a repairer.
Kilometers per year
Not everyone drives the same number of kilometers per year. Believe it or not, this affects the amount of your insurance premium. You can save money by stating the correct mileage when taking out your car insurance. Therefore, look carefully at your annual kilometers and estimate them as accurately as possible.
Purchase or new value scheme
Do you want to get your money back based on the purchase or new value of the car in the event of theft or total loss? Then choose a purchase or new value scheme of 1 or 3 years. If you have a new car, it is often wise to opt for a new value scheme of 3 years. This ensures that if your car is stolen or totaled, you will receive the value you need to buy a new car.