If you drive a van for your work, business, or simply because you prefer the additional space in a van compared to a car, there are not very many benefits of sticking around with the same insurance company when the time comes to renew your insurance policy. It certainly pays to spend some time shopping around for a better deal in advance as you can often take advantage of cheaper quotes and better prices compared to your renewal quote. When looking for new van insurance, there are several things that you can do to bring the quote down as much as possible.
The best way to make sure that you are getting the best van insurance deal is definitely by shopping around. Use a comparison site like Quotezone in advance to find out more about the quotes that are on offer from different insurers and compare them to your renewal quote so that you can determine which is the cheapest offer. All you need to do is fill out the forms on Quotezone with information about yourself and your vehicle. Once you’ve done this, you can browse quotes from a range of insurers to find the best option for you. It is quite rare for a renewal quote to be cheaper compared to switching to a different insurer.
Fit a Dashcam
Some insurance companies will offer you a discount on your policy if you have a dashcam fitted to your van. Having a dashcam will certainly come in handy if you are involved in an accident on the road since it will record everything that happens and can be used to prove the other party’s fault in the event of an insurance claim, which will speed things up and make it easier for both yourself and the insurance company, which is why many offer cheaper policies to drivers that use one. You can also get dashcams that continue to record activity when your van is parked. Some also allow you to access the footage remotely, allowing you to easily track your van down if it is stolen or get the details of another vehicle that has damaged it while parked.
Drive Less Miles
Consider how much driving you do and think about whether or not you might be able to cut your mileage down. As a general rule, the less often you drive your van, the cheaper your insurance policy is going to be since there is a much smaller chance of you being involved in a collision if you are not on the road.
Double Check Your Details
Sometimes, the smallest of details can make the biggest difference to your car insurance policy price. It can be easy to try and estimate things like how many miles you drive in a year, but the truth is that just being a couple of thousand miles out either way can impact how much you pay significantly. The same goes for the current value of your van; if you under- or over-estimate this, it will affect your price. Taking the time to make sure that all details are 100% accurate will ensure that you’re getting the best price.
Consider Insurance When Choosing a New Van
If you need a new van for work or simply because you need an upgrade on your old one, it’s a good idea to think about the insurance cost before making the purchase. Many people consider all the technical aspects when buying a new van, but don’t consider the insurance band. Some vans are much cheaper to insure than others simply because they offer more safety features like parking sensors and automatic braking, which can reduce the risk of being involved in a collision.
Add an Extra Driver
If you are happy to share your van with somebody else, adding a named driver to your policy who is more experienced on the road could help to bring the price down. This can also be an ideal option if you drive a van for your business, for example, and may need to share it with employees from time to time when you are working on jobs.
Keep the Van Secure
Where you keep your van when you are not driving it can also make a difference to how much you will pay for insurance. If you can, keeping your van parked in a garage or another secured area at night is usually the best way to get the cheapest quotes since the risk of theft or damage is lower compared to being parked on the street or even on your driveway. Adding additional security features like GPS tracking to your van can also help to drive the cost of insurance down.
When the time comes to renew your van insurance, it definitely pays to shop around and employ some techniques to drive the price down as much as possible.
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