Import Car Insurance Premiums – How You Can Save

Do you drive an imported car? If so, you’re well aware that import car insurance is significantly costlier than are the premiums you pay to insure a domestic vehicle. Of course, if you have chosen an imported vehicle, it stands to reason that you can afford to pay a little more for your car insurance; but that doesn’t mean that you can’t save on your premiums.

Every driver needs car insurance; it is a legal requirement in most states. Even where it isn’t mandatory it is still vitally important that you protect yourself by carrying car insurance, whether your car is an import or a domestically made vehicle. One way you could save on your car insurance is to carry only what is required by law – while this isn’t necessarily recommended, it can save you some money if you’re in a pinch.

In addition, have a look at the following import car-specific strategies to further chop down your import car insurance rates:

1. Mind the make and model of your car. The car itself is a factor that raises your insurance rates. Import cars are more expensive, ergo, higher premium rates. Older models cost more to insure than newer ones, too.

2. Consider joining an owner’s club. An owner’s club generally will be able to offer lower rates on car insurance since they use their collective bargaining power to secure lower premiums, much like a group health insurance plan provides to its members.

3. Find out if your insurer offers discounts for any modifications you could have done on your vehicle. Many insurance companies will offer discounts on premiums to drivers of imported cars who install features that improve their performance.

4. Look after your no-claims discount. This applies to non-imports as well. When you’re a good driver, rewards actually translate to dollar values so take care of your NCD when you’re offered said discount. If you lose it, you’ll lose what could potentially be the equivalent of several years’ no-claims discount.

5. Add security features to your car. A lot of imported models don’t have many security features installed as standard; and these vehicles are often considered among the most desirable to car thieves. Installing car alarms, tracking systems and other safety features can make you eligible for a discount on your car insurance as well as protecting your property.

Imported cars are very appealing, even with the slightly higher insurance premiums that you have to pay when you choose one of these vehicles. You may enjoy their high fuel efficiency, their look and their performance on the road – but remember, you almost certainly do not have to pay as much to insure your car as you are currently.

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