Car insurance is a requirement for vehicles operating in Essex’s public highways. Besides being a legal obligation, an auto insurance coverage protects you against the financial loss that occurs during an accident.

For instance, at fault drivers in Essex are required to compensate people who sustain injuries, pay for property damaged, pay for the repairs of cars involved in the accident, and pay for their medical expenses as well. These expenditures are financially disastrous, and having an auto insurance plan is one of the surest ways to evade the loss.

Getting your car insured, gives you the freedom and peace of mind to enjoy your road trip around Essex. Visit places like Lee Valley Regional Park, RHS Garden Hyde Hall, Colchester Castle Museum and many other places to enjoy outdoor fun in Essex’s changing weather patterns.

In most cases, the overall cost of paying for an insurance policy is high, and most drivers opt for primary car insurance as the way to cut down the insurance cost. Insurance experts have recommended the following ways to reduce your auto insurance cost.

1. Check for discounts

Signing a discounted deal is one way to reduce your insurance cost. Some auto insurance companies may give you a discount when you take more policies, insure more cars in a plan, have a good driving record, own a car with a safety system amongst other factors. Check out for the discounts and be sure to benefit from one or more of the discount conditions.

2. Change your vehicle

Insurance premiums differ depending on the model, type, and condition of your car. Insurance premiums for new cars are lower compared to those of old cars because new cars need few repairs while old cars are subject to damages that need often repair. Also, luxury and sports cars attract high auto insurance premiums. For this reason, you need to change your vehicle if it is old, or even consider buying a cheaper car to save a pound.

3. Choose a plan with a high deductible

The deductible is the amount you need to spend before your insurance provider steps in to settle a claim. Insurance plans with a high deductible have lower monthly premiums. To rip maximum savings from the high deductible auto insurance plans, you have to ensure that your driving is as safe as possible.

4. Improve your credit score

Financial service providers use your credit rating to determine your financial behavior. For auto insurance providers, people with bad credit are likely to file more claims. As such auto insurance firms raise their insurance premiums to avoid the risk of a loss. Therefore it is worth focusing on cleaning up your credit by paying your loans and bills on time and avoiding practices that hurt your credit rating.

5. Drive less

The amount of time and the distance you drive have an impact on your auto insurance cost. Driving regularly and for long hours means you have a higher risk to an accident, therefore higher insurance premiums. Whenever possible, reduce your mileage by using an optional means of transport.