Car Insurance: Quinn-direct's Tips on Things That Can Influence the Cost of Your Motor Cover

    CAVAN, IRELAND, December 19, 2010 /24-7PressRelease/ -- If you are wondering how your car insurance premium is calculated - and if there is anything you can do to influence the cost - the good news is that car insurance specialist Quinn-direct have revealed some of the different factors that may affect how much you pay for your cover.

- The sportier and more expensive the vehicle, the higher the car insurance premium. By changing the sporty number and getting a car with a smaller engine, the more likely you will be able to reduce the cost of your car insurance premium.

- Don't modify your vehicle - as soon as you start modifying your car (for example, altering the exhaust system, suspension, etc...), you may find that your car insurance provider will charge more for your cover.

- TPFT (Third Party, Fire and Theft) or fully comprehensive - does the true value of your vehicle justify the cover that you have? For example, if you have fully comprehensive car insurance, but your car is fairly old and of low value, you may wish to consider opting for TPFT cover.

- Drive safely - penalty points for speeding and talking on your mobile phone whilst driving may not only see you face a fine but will also result in costlier car insurance quotes, so stick to the speed limits, drive safely and never use your mobile whilst driving (unless you have a hands-free kit).

- Review your car insurance - spend a few moments actually going through your car insurance cover to see if you are paying for something you don't need. For example, you may have a named driver on your policy who no longer drives your car; or it may be that you are paying for car breakdown cover within your policy - when you could get this cover free elsewhere (Quinn-direct provide car breakdown cover with all their motor insurance policies as standard). Perhaps you used your car for business as well as pleasure but have since changed jobs and no longer use your vehicle for business, so the car usage will be different.

Finally, Quinn-direct advises motorists not to be complacent. Complacency is probably one of main reasons why motorists may pay more than they need to for their motor insurance. If you automatically renew your car insurance every year without first shopping around, taking stock of your current situation (which may have changed since you bought your last car insurance policy) and getting alternative car insurance quotes, you may lose out on the opportunity to get cheaper car insurance.

For more information please visit http://www.quinn-direct.co.uk/.

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