Advertising
Advertising

5 Simple Ways to Get Lower Car Insurance

5 Simple Ways to Get Lower Car Insurance

There are not many better things in life than taking possession of your new car and heading out onto the open road. The problem with this dream is that not only do you need to save up money to get the car, you also need to pay for the car insurance too.

There are hundreds of companies out there ready to offer you great deals. And lots of comparison websites make finding the right policy relatively easy for you. Things are set in your favour in this respect, but there are still always little hacks that will allow you to save even more.

Follow the five easy to action hacks below and you should soon be flying down that great big open road with an even bigger smile on your face, happy in the knowledge that you’ve got the best possible deal on your car insurance.

Advertising

1. Use the Right Job Title

This might sound like a funny one, but car insurance companies are really specific on this aspect of your application. Some of the criteria they look at don’t seem to make any sense. Music teachers pay more than teachers, for example, but if you were a music teacher, there is absolutely no reason why you couldn’t put your job title down as simply a teacher.

Retirees and housewives or husbands should also be very wary when it comes to defining your occupation. Never say that you are unemployed, or it could end up costing you around $300 more than if you were to state that you’re retired or a stay-at-home parent.

2. Bump Up Your Excess

The idea of getting hit for a high excess if you have an accident might seem unappealing, but how many accidents have you had in your life?

Advertising

The fact is that most of us are safe drivers and highly unlikely to have an accident that is our fault. If you take up a policy with the possibility of a higher excess in the case of you being at fault, your premium price will dramatically fall.

3. Use/Get a Garage

You know that large room at the side of your house that is full of junk that you’re never going to use again? Yes, it’s called your garage, and its primary purpose is to keep your car safe at night.

A lot of people don’t pay attention to this fact because it can be a bit of a hassle to put the car back there every night. This may be true, but if it saves you hundreds of dollars on your car insurance, it’s going to be worth it, right?

Advertising

Look on the bright side; you can save money on your car and make more money when you throw all that rubbish out of the garage in a yard sale.

4. Know Your Car

Young drivers often fall in love with a certain car and fail to see how getting car insurance for it is just not going to work out well for you. A beautiful suped-up sports car might look awesome on the road, but it’s going to leave you bankrupt.

You also need to do a lot of background checks on your vehicle. If you are buying second-hand, make sure there is no outstanding debt on the car you’re looking to buy. Also be wary of cars that have a salvage or rebuilt title as they may end up costing you more to insure even though they are cheaper to buy initially.

Advertising

5. Add a More Experienced Driver

It’s against the law to list someone as the main driver of your vehicle and for them not to be, but there is nothing illegal about adding an additional, more experienced driver to your car insurance policy as a named driver.

This person should normally be an older family member with their own, clean driving license and a decent, no-claims history on their own car insurance. A little trick like this probably isn’t going to save you hundreds, but it all adds up.

More by this author

5 Simple Ways To Survive Your Tax Returns Super Bowl LI: 5 Reasons To Watch attractive 5 Misconceptions About What Is Attractive To Women The Top 5 Happiest Countries In The World Top 5: The World’s Best Cities To Move To

Trending in Budget Activity

16 Easy Ways to Treat Yourself 27 Websites to Sell Used Stuff Profitably 3Seven Tips to Save Money While Renovating Your Home 44 Ways to Make Every Penny Stretch in 2017 5Getting Out of Debt in 4 Simple Steps

Read Next

Advertising
Advertising

Last Updated on August 20, 2018

30 Fun Things To Do With Your Friends Without Spending Much

30 Fun Things To Do With Your Friends Without Spending Much

Spending time with friends is, in and of itself, a great way to pass the time without spending a lot of money. But if you and your friends are used to going out to clubs, pubs or eateries together as your way of hanging out, then you can change it up a bit and save some money too.

No matter where you live, there are plenty of places to go and do fun things that don’t cost a lot.

If you are having trouble convincing your friends to do things on the cheap, then be upfront with them. Tell them straight out that you can’t spend that kind of money right now — and don’t let them pay for you either. But here are some great alternatives you can offer.

30 Fun Things To Do With Friends Without Spending Much

1. A potluck dinner party. Host a dinner party and ask everyone to bring a dish to share. If you are not comfortable with cooking, maybe try and learn how to cook a new dish together with your friends.

2. Host a spa day. Give each other manicures. Try out new hairstyles. Make some facial masks or exfoliates using natural, at-home ingredients. Then drink mimosas.

3. Movie marathon. Log into Netflix and watch every episode of “Stranger Things” Or do an ’80s movie marathon, watching “Pretty in Pink,” “The Breakfast Club” and all of our old favorites. Don’t have a Netflix membership? Get the free trial just for the marathon!

4. Pinterest party! You know all of those cool Pinterest crafts you say you’re going to do? Do them. At home one night with friends. Then make up some of those bacon-wrapped whatevers you’ve been dying to try!

5. Go to the park. Pack a picnic. Hang out. Watch people. Play on the swings.

Advertising

    6. Have an organization party. Set up a day of each weekend where you go to each of your friends’ houses and help them clean out a closet, a room, a garage, whatever. Serve drinks and food and trade stuff among yourselves.

    7. Hold a yard sale. After all of that cleaning, why not hang out together and make some extra cash too?

    8. Concerts in the park. All summer long, many parks host free concerts. Go with your friends. Hang out, bring a picnic dinner. This is a very relaxing way to chill out on a hot summer night after work.

    9. Volunteer together. Offer to do the yard work for the local senior center or hang out with the kids at the YMCA. After a few hours of volunteering together, you will have new respect for each other and something new to chat about.

    10. Play board games. Drag out the Scrabble or the Yahtzee. You can hang out and play all sorts of games with large groups or small ones. Hold a tournament and compete against each other. Here’re some board games ideas.

    11. Video game tournament. Not into board games? OK. Well, how about a video game tournament? Whether it’s the latest dancing game or “Call of Duty,” play against each other and award prizes (or food) to the winners.

    12. Grab a ball and a bat and go play baseball at the local park. Grab a basketball or a tennis racket. Most parks have courts and fields you can use for free as long as there isn’t an organized event going on.

    Advertising

    13. Go to the school play. This might cost a little for admission, but it’s a great way to support your community and have a fun time.

    14. Iron Chef night. Bring your friends over and have an Iron Chef night where you cook dinner out of only the items in your pantry. No buying anything!

    15. Go dumpster diving. Yup. I said it. Check out the dumpsters in your area and see what you can find. You might even find dinner! Here are some tips for respectful diving.

      16. Go to yard sales. Take all that money you made at your yard sale and cruise around your town together looking for cool stuff. Maybe you could even fix something up and resell it.

      17. Go fishing.

      18. Go camping.

      19. Find some cool trails around your town and go hiking. Here’re some of the best hiking trails you should try.

      Advertising

      20. Get out the bikes and bike everywhere for a weekend.

        21. Dig out the old croquet set — or borrow your Mom’s — and play croquet. Do it! Totally fun.

        22. Swap movies and music. Have everyone bring over a box of old movies and CDs they don’t want anymore — or don’t watch anymore. Then swap with abandon.

        23. Go on a walking tour of your town. Most towns or cities have a historic district. Find out if there is a walking tour available. If not, make one up!

        24. Scavenger hunt. Put your friends to the test — yes, this is for grown-ups — to find different things in your city…like a certain bike rack, a vintage sign, that sort of thing. The winner gets a dinner cooked by the losers.

        25. Find out when the free days are at your local museum or zoo. Most have them and they can be great fun to visit with friends.

        26. Hold a quilting bee. No, you don’t have to be fancy — or old — for this. Grab some old T-shirts that you love, old jeans, whatever. Cut them into squares and sew them together. Who knows? Maybe it will become a regular thing?

        Advertising

        27. Go to Open Mic night. Your town is likely harboring some great talent at an open mic night that has no cover and cheap drinks!

        28. Go to a religious service. Even if you’re not religious, going to a service in an unfamiliar religion can be enlightening and a great way to meet new people.

        29. Find a swimming hole. Head to the old town swimming hole — or find a new one. What a great way to spend a lazy afternoon with friends.

          30. Start a book club, card club (canasta anyone?), sewing club or scrapbooking club. Something you and your friends like. My parents used to belong to a cooking club where once a month all of their friends gathered at one house and the host family cooked a meal from a different country. I learned a lot about food that year.

          You don’t really need to spend much to have lots of fun with your friends! Pick a few of these ideas and start trying them out this weekend with your friends!

          Featured photo credit: Unsplash via unsplash.com

          Read Next