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The Weird Things That Could Affect Your Car Insurance

Getting a good deal on car insurance is like finding a great deal in the January sales. Everyone likes to brag about the price they got, and you’ll strive to find a better deal next year.

We all know the types of things that can affect your insurance - making a claim, having points on your licence, etc. But what about those less common things? That’s right, there are some weird things that could affect your car insurance. Take a look and avoid them like the plague!

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A personalised licence plate

Having a personalised number plate is a fun way to make your car your own, or quite frankly, show off. While having something tasteless or ‘funny’ as your number plate won’t increase your premium, the cost of the plate itself is something to think about. Many people don’t consider their personalised number plate when getting their insurance quote, but if yours costs hundreds, you’ll probably want to get it insured. The sensible thing would be to look at more affordable personalised plates that you can replace easily. It’s something you’ll have never thought about before but you will in the future!

Lies

It’s not wise to lie on your insurance. From underestimating how many miles you do in a day to how many people drive your car, you could suffer drastically if you were caught out. Lying on your insurance is a form of fraud, and it could void your insurance - leaving you in a very big hole if something were to go wrong. Invalidating your insurance is not worth the risk, so think twice as you complete your form.

Turning 50

It’s probably been a while since you looked into how your insurance is calculated. Teenagers and young drivers often have the highest insurance premiums to pay, which is understandable given that they are new and inexperienced drivers. But older people can also suffer from higher premiums, even though you’ll have more experience on the road!

To guard against your rising insurance costs, avoid doing anything that could make you a poor driver. Get your eyes checked regularly and follow the rules of the road. It’s also important to take care of yourself as you get older - some intermittent fasting is supposed to be great for helping you lose some weight.

Too many road trips

Your insurer will ask you about your annual mileage. While that might be mostly taken up by your daily commute and weekend errands, does it factor in those one-off trips? Taken too many long-distance trips could affect your insurance, driving it upwards. If you tend to visit a lot of unusual places or dry abroad, this could also affect your premium.

While there are things that can push your insurance upwards, there are also plenty of things you can do to reduce it. Take a look at some of the ways you can find cheaper car insurance and work hard to keep those costs down.