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<a href="http://articlesgoneviral.com/article/Keeping-your-motor-insurance-costs-down-in-five-easy-steps-/" target="_blank">Get Paid to Submit Article like "Keeping your motor insurance costs down in five easy steps "</a><br /><br />Insuring a vehicle can be an expensive business indeed. Due to the fact that you cannot legally drive an uninsured vehicle, there is no way of avoiding this cost altogether, but there are several things that you can do to keep your insurance premium down.<br /> <br /> Due to the fact that smaller, less powerful, and less valuable cars present less of a financial risk to the insurance company than large, flashy, powerful ones, they tend to be cheaper to insure as well. Insurance companies use a generic ratings scale that goes from one for small, cheap cars to twenty for large, powerful, or flashy cars. It is important to bear this in mind when buying a car, as the insurance can sometimes end up costing more than the vehicle itself over the course of a few years.<br /> <br /> 1. Listing several drivers on your insurance policy can end up costing you a fortune, but if anyone else is going to be using your car, then you will have to have them covered by your insurance.<br /> <br /> 2. If someone is going to be using your vehicle only occasionally, or for a limited time period, then you may be able to add them to your policy for a specified time period, which works out a lot cheaper than having them as permanent additions to your insurance policy.<br /> <br /> 3. Usually, when you claim on your insurance policy, you have to pay a certain percentage of the claim yourself, a fee known as the excess. If you choose to increase this percentage, you can significantly reduce your premium, but you should make sure that you can afford the kind of fees involved before you commit, as if you cannot pay the excess, you cannot make the claim.<br /> <br /> 4. When you claim on your insurance policy, you tend to lose your no claims bonus, unless it is protected under the terms of your policy. Due to the fact that no claims bonuses can add up to a substantial amount of money, especially over a few years, it is generally a good idea to avoid making claims that you can afford to pay for out of your own pocket, as this will save you money over the longer term.<br /> <br /> 5. There are hundreds of insurance companies around that are after your business, and you should take advantage of this by shopping around. You should, however, always get insurance from an accredited firm with a solid track record for obvious reasons.<br /> <br /> By far the best way to get the cheapest deal on your car insurance is to hunt around online for the best deals, as not only can you get instant quotes from a number of different companies this way, but you may also be entitled to special discounts for buying online. <br> Kwik Fit Insurance offer excellent value <a href="http://www.kwik-fitinsurance.com/">car insurance</a> on premium models such as Lexus, BMW and Mercedes.