Save Money On Your Car Insurance Price Even If You Live In One Of The Towns Deemed "Hotspots"

Posted by Nick Niesen on October 29th, 2010

With a study being conducted into which towns in the UK are considered to be ?hotspots? when it comes to having your car stolen or being involved in an accident and the results now being announced it is important to remember that you can still save money on your car insurance price even if you live in or near one of the hotspot areas.

The towns which have hit the top of the list have seen the most incidents which have required an insurance claim to be made and have such have labelled them as car damage hotspots. When it comes to cars being stolen then the worst place to live and try to get cheap insurance is in the North of England says the research from Budget insurance. Hull holds the top spot then Bradford and Leeds.

Of course there are many ways that you yourself can reduce theft with some of the most simpler being the installation of security features such as steering locks, alarms, etched windows, immobilizers and car alarms. These all help to deter the thief and so keep your car safe, you should also make sure that you keep your car in a garage rather than keep it on the side of the road and also remove any items which could lead to someone wanting to break into your car such as laptops, mobile phones, handbags and purses.

There are many practices that people can take in order to make the safer on the roads and so lessen the risk of being involved in an accident and so not have to make a claim on your car insurance, reducing the speed at which you drive is one of the best ways to lessen the chance of suffering from an accident as it gives more time for the car to slow down, speed is one of the leading causes of accidents and claims against insurance.

Hints, tips and advice on saving on your car insurance along with saving money on the car insurance price can all be found with a specialist broker, the broker will be able to search the UK marketplace for the best deal for your car insurance which means that you will be sure of getting the cheapest quotes along with all the information you could possibly want when it comes to getting insured, even if you live in what is considered to be one of the hotspot areas.

Another way of cutting down on the cost of the car insurance price is to take out a third party fire and theft policy, this type of policy is cheaper than the fully comprehensive policy but of course is more limited than taking out fully comprehensive cover. Third party will cover you for damage to the other party?s car if you should be involved in an accident and along with this you will have cover if your car should be stolen or damaged by fire. Fully comprehensive on the other hand will cover you for everything that third party does but will also give you cover to repair your own car, cover for passengers if they should be hurt along with other extras.