Taking car insurance is a necessary step to protect you financially when met with tragedies. Many people think that car insurance premiums are rigid, but in reality, it is not so. You can opt for car insurance that suits your needs without crossing your financial boundaries. For this, all you need to do is to follow some really simple and useful tips.

Go through the 10 tips to lower your car insurance costs given below:-

1- Compare in between the available options:

Many automobile insurance companies offer great deals on car insurance. Compare car insurance online from different insurance companies and check what they are offering you on the basis of policy coverage, additional benefits, premium cost, services and any add-ons, if offered. It will help you find the best suitable car insurance for your vehicle.

2- Don't modify your vehicle beyond the need:

Unnecessary modifications will increase the cost of the car and as the cost of the car increases, the cost of car insurance premiums will also increase. Therefore, avoid unnecessary modifications to your vehicle.

3- Install an anti-theft device in your four wheeler:

The cost of car insurance premium is directly proportional to the liability that a car poses to the insurance company. Installation of devices like anti-theft alarm, gear lock, steering lock, etc decreases the liability on the car insurance companies and as liability decreases the cost of car insurance premiums will automatically decrease.

4- If there is an option, raise your voluntary deductible:

Voluntary deductible is the share of the claim amount that the owner of the car voluntarily agrees to pay in case any claim is raised due to the damages caused by his or her car. If you take this step, it will decrease the liability on the car insurance company and, as mentioned above, the cost of car insurance decreases with the decrease in liability on the car insurance company.

5- Skip the add-ons that you don't need:

Add-ons like tyre protection cover, gear protection cover, garage cash, etc increase the coverage of your car but it also increases the car premium cost. Choose add-ons that your four wheeler really needs and try to skip the unnecessary ones, it will automatically decrease your car insurance cost.

6- Don't break your "No Claim Bonus" for minor claims:

If you claim for minor damage to your four wheeler your no-claim bonus will break. Minor damages are not really very expensive to repair, so skip minor claims. It will save your no claim bonus and will lower down the renewal cost of your car insurance.

7- If you are not a regular driver, opt for "Pay as you drive" car insurance:

Many people do not use their cars regularly, they prefer to use public transport like trains or buses and, if you are one of them, paying a hefty amount for insurance premiums can be a foolish mistake for you. You can opt for "pay as you drive" car insurance, if you do not drive your car frequently. The cost of this type of car insurance premium is based on the total number of kilometers that the car has covered. So, the less the distance covered by the car, the less will be the cost of your car insurance premium.

8- Buy a vehicle that fits with your needs: Don't go for luxury cars or big cars if you just need a commuter car. As the more expensive car will result in more expensive car insurance premiums. Downsizing your vehicle will save a lot on your car insurance cost.

9- Drive safely, pay attention on the roads:

This is not actually a tip to say, it just goes without saying. The increasing amount of car destruction nowadays is resulting in a greater number of accidents on the road. Be a safe driver, save your life and your money.

10- Discuss with your agent:

You never know what kind of special discounts are available for you if you are in the public sector, like a military professional, etc. You should definitely ask if there are some special discounts for your case. Many car insurance companies offer special discounts for some special categories. Don't miss out on those special discounts if you fit into that special category. It's always better to ask than to regret.

Taking car insurance is a mandatory step for every car owner. It is just inevitable, but you can definitely lower down the cost of your car insurance by following simple tips that are mentioned above.

10 Tips To Lower Your Car Insurance Costs