How To Lower Your 4x4 Insurance Premiums

By Susan Reynolds

Vehicles like insurance policies differ greatly. It?s important to understand that you may have difficulty finding the rate you want on a 4x4 vehicle because they can be singled out as a high risk vehicle. This automatically makes rates higher for all drivers of these types of vehicles. You can take several courses of action to help lower this rate. You can also search various insurance companies to find one that gives you the lowest rate.

Your first goal should be to assure your insurance agent that your 4x4 will be kept safe and out of site while it is parked at home. One of the biggest risks with these trucks and SUVs is that they will be stolen or vandalized. Keep your 4x4 either in a garage or behind the house where it will not be seen. While acknowledging that your vehicle is at lower risk for these occurrences you may get lower rates.

Extra driving experience on 4x4 vehicles is also a plus for insurance agents. You might have to borrow a vehicle from a friend or family member to gain this experience, but it can shave a few dollars from your monthly payments. With a little experience under your belt you will be more comfortable with the handling a 4x4 before you sit behind the wheel of your own. Obviously, a few years of experience driving one is better than a few weeks.

If you are a new driver then you should expect to have higher than normal rates as you are a higher risk as you have less time and experience on the road. However if you do have a history you will want it to be as clean as possible. The less tickets and incidences that you have on your record the better driver the insurance company will figure you to be. Insurance agents may look to see if you have gotten any claims bonuses. These are awarded to you after having insurance for a certain period of time without having any claims. A claims bonus will discount your insurance rates, and can be helpful in negotiating lower 4x4 insurance rates. In some cases it may be better not to file a small claim that you can pay for yourself, therefore avoiding the higher costs of insurance rates and deductibles.

By getting a 4x4 with a category 1 or 2 security rating you may end up getting lower rates as well. These categories indicate that your 4x4 is equipped with the finest safety features, making it harder to steal and safer in accidents. Your agents will look for these extra features while gauging your insurance premiums to determine the risk of your vehicle. Opt for the best security possible when choosing your vehicle.

Military personal, including those from the National Guard, can take advantage of special discounts. Even if you are not a part of the military you should always be on the watch for discounts that may help you. Search online for the best quotes before going to visit your insurance agents personally. - 21396

About the Author:

Susan Reynolds is the webmaster for a leading South African Insurance Provider who specialises in Car Insurance Options.