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How to save on Car Insurance?

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How to save in case of insurance renewal

The case of car insurance renewal on an annual basis.

Obviously it will not be possible to change cars to cut costs, but it will be necessary to evaluate multiple policies before the deadline.

The advice is to contact as many agencies as possible requesting analogous appointments in such a way as to make a functional comparison.

In practice, it will be necessary to ensure that the estimates are developed taking into account the same parameters such as deductible , ceilings and any additional services .

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To make this comparison, don’t wait the last few days before the policy expires, as you won’t have time to evaluate other solutions that might be more convenient.

The convenience of black box policies

Adequate savings can be obtained by asking your insurance company for the possibility of installing the black box in your car. The black box is a particular device that allows the insurance agency to have greater guarantees. The advantages are many because in the event of an accident it is possible to accurately assess the dynamics and therefore identify faults. This is a useful element for the agency to considerably reduce the risk of encountering insurance fraud that unfortunately in Italy in recent years there have been many.

In addition, with the black box it is possible to request policies whose annual amount for the insurance premium is directly proportional to the kilometers traveled from the vehicle. The device allows to calculate the kilometers traveled, so if there is a tendency not to travel long distances, there will be a reasonable saving.

With the black box there are also advantages for the driver, who will be able to get immediate roadside assistance in the event of an accident or sudden mechanical failure.

In the market there are a multitude of insurance policies offered by the main companies that allow you to save by installing the black box .

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It is possible to obtain savings that can range from a minimum of 10% to a maximum of 25%. These are considerable amounts, so this is definitely an option to consider.

Auxiliary guarantees

Just in case, despite the many appointments and the black box, the annual amount is still too high for your needs, compromises should be considered.

In particular, some ancillary guarantees must be carefully evaluated to choose which are indispensable and which, on the other hand, you can do without. In addition, it is also possible to plan to reduce the ceilings foreseen in the contract or increase the franchise, taking into account, however, what the possible consequences are.

As for ancillary guarantees, one could think of giving up, for example, roadside assistance , which on average requires a cost of about 25 euros per year, or legal protection for an amount of about 20 euros. If your car is quite outdated, you may want to consider eliminating the Insurance or natural event coverage which, in any case, provides a considerable amount, which can even exceed 70 euros per year.

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