Christina Sherrill
De BISAWiki
Tips to Lowering Your Van Insurance
van insurance - When driving a vehicle on the road, you must have adequate cover to guard you. There is a difference when driving a van traveling, you need to protect the driver, the van and anything you are carrying inside, whether you are delivering items to a customer or you have your equipment with you, which assists you to complete jobs making a living.
The most important factor to take into consideration when trying to lower your van insurance is the type of vehicle you drive. You will find that some models and years cost more to cover than others. It's better if you are unsure to look for the insurance level advertised or speak to a van insurance broker who specialises in this kind of cover to give you suggestions about the best vehicle to buy to lower your annual premium.
Be cautious when it comes to selecting your drivers as your drivers can lower or improve your premiums considerably. Ideally you would like all your drivers (for those who have more than one) to be over twenty five with clean licenses that they have held for more than one year. Younger drivers are thought a risk to brokers, so your premium is automatically increased, exactly the same applies to those with convictions against their name or points on their own license, so to be secure and keep your costs down, search for over twenty five and clean licenses.
compare van insurance - Consider what security measures you can put in place which is where your van insurance broker can assist. A good alarm system, immobilizer system and even a GPS tracker can help lower your premium. Showing your broker that you've adequate security that protects your car or truck is a great way to decrease your premium and help you receive the most of your cover.
An excellent way to lower you van insurance is to consider voluntary excess. Most brokers will allow you to lower your premium amount but pay an increased excess should you ever need to claim. This is exceptionally useful if you have already been in business for several years and have never required to claim. While you can't afford to cancel your cover, choosing voluntary excess may be the solution to help you lower annual expenses but still enjoy the peace of mind that you are protected should you need it.
Always shop around. Never make use of the first van insurance professional you find. Ideally you want a minimum of three quotes, which gives you the ability to compare and review each option, make changes where necessary and study up on the company to make sure that they offer a fast claims process and superior customer care. You are also trying to find companies that are flexible and invite you to change and get some new vehicles as and when you need to, maybe even add a vehicle or two to the policy as your business grows.
compare van insurance - At the same time, ensure you review your policy annually as it comes up for renewal to see if you can find a better offer elsewhere. Don't assume your van insurance agent is going to give you the best deal on the internet each year. Often you'll be surprised as you start looking around that you can get the same level of cover cheaper, so utilize this option.
Finally, always use your no claims bonus being a bargaining tool. Whether you are starting out in business for the first time and need cover for your vehicles or else you have been in operation for a while. Having no claims on your private or business cover can show to your broker that you are a low risk and this can help lower the cost of your annual premium considerably.
