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| Car Insurance - How Can You Lower Your Premiums? 汽车保险-如何让您降低保险费？ by: Michael Challiner由：迈克尔Challiner Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not.许多因素影响地价的汽车保险政策。您的保险将有问你许多问题，而生产您的报价-其中一些将影响您的溢价和一些不会。 Below we discuss the key variables that are within the policyholder's control.下面我们讨论的关键变数，都在投保人的控制。 Consolidating policies巩固政策 By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a ‘bulk buy’ discount.通过投保一些车辆以同样的保险，或试图采取了家庭和生命保险公司通过您的汽车保险公司，可以确保'批量购买'的折扣。 Location位置 A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer.大影响的成本你的汽车保险是您生活。的机会你的车被分成或被盗是一个重要关注的保险公司。 More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.更多的城市地区的传统面临着更大的风险，因此盗窃往往是较昂贵的比农村的地点。 Excess超额 By agreeing to pay a greater excess on each claim you can reduce your car insurance premiums.同意支付更大的过量对每一项索赔，您可以减少你的汽车保险费。 This is because you are reducing the liability of the insurer and therefore in return they are able to offer you a lower premium.这是因为您正在减少赔偿责任的保险人，因此，以换取他们能够为您提供了较低的保费。 Your Vehicle您的车 The cheaper and slower your vehicle the lower your premiums are likely to be.廉价和您的车辆速度较低的保费有可能。 If you are looking to buy a new vehicle make sure you fully consider the cost of insurance – you may be able to buy the car but can you afford to run it?如果你在寻找购买新的车辆一定要充分考虑的保险费用-您可以购买汽车，但你能负担得起运行它？ Mileage里程 You can control your insurance premiums by restricting your annual mileage.您可以控制的保险费，限制你每年里程数。 However, be aware that if you exceed the restricted number of miles you'll then become uninsured!但是，注意，如果您超过限制数量英里您就成为投保！ Parking停车 Where you park your vehicle overnight is also very important to the insurers.如果你的汽车公园通宵也是非常重要的保险公司。 If it is kept in a locked garage, you should be offered a lower premium than if you leave it unattended in the street.如果是存放在一个上锁的车库，你应该提供了一个较低的保费比如果您将它留在无人看管的街头。 Security安全 Security devices that prevent or hinder theft may also reduce your premium.安全装置，以防止或阻碍盗窃也可减少你的保费。 Common examples include alarms and immobilisers, however, be aware that as we improve the quality of our security devices the thieves just become better at bypassing them.常见的例子包括警报和immobilisers然而，认识到我们提高我们的安全装置，窃贼刚刚成为更好地绕开他们。 No Claims Discount无索赔折扣 Save up your no claims discount by avoiding making small claims upon your policy.保存您的任何索赔折扣，避免使小索赔取决于您的政策。 After a set number of years, 4 or 5 typically, you'll often be offered the option to pay an additional small premium to protect your no claims bonus.经过一系列的年数， 4个或5个典型，你会常常可以选择额外支付小保险费以保护您的任何索赔的奖金。 This can prove very helpful if you subsequently end up having an accident.这可以证明是非常有用的，如果你到后来有一个意外。 Advanced driving skills高级驾驶技巧 By taking an advanced driving course you may also be able to reduce your premiums.通过采取先进的驾驶当然，你也可以减少你的保费。 The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums.该研究所的高级驾驶和英国皇家学会预防事故的每一个成员提供的为您提供折扣的成本驾驶课程和你的汽车保险费。 Two key variables NOT within the policyholder's control.两个关键变量不属于投保人的控制。 Your Sex.您的性别。 Women are statistically less likely to have an accident and, if they do, it's less likely to be serious.妇女的统计不太可能有意外发生，如果他们这样做，这不太可能是严重的。 Because of these statistics women benefit from lower premiums.由于这些统计数字妇女受益于较低的保险费。 It is also worth noting that if you represent one half of a couple you should consider having the female as the primary driver with the male as the second driver.还值得注意的是，如果你所代表的二分之一的一对夫妇你应该考虑女性作为主要驱动力与男性的第二个驱动器。 Your Age您的年龄 The older you are, the less likely you are to make a claim.老你是，那么您可能提出索赔。 As a result insurance companies charge lower premiums for more mature drivers.由于保险公司收取的保险费较低的更加成熟的驱动程序。 One final piece of advice.最后奉劝。 A large percentage of car insurance is now sold on the Internet.很大比例的汽车保险销售现在在互联网上。 That's because it's convenient and cheap.这是因为它的方便和便宜。 Many insurers now give a further 10%-15% discount if you buy online.许多保险公司现在还有10 ％ -15 ％的折扣如果你购买上网。 | |||||
