4×4 vehicles are notorious for having higher insurance premiums than other vehicles. Although it may come as a surprise at first, 4×4 are considered by many insurance companies as a higher risk vehicle. To counter these hazards insurance companies charge higher premiums. There are several things you can do to avoid these higher rates and obtain a more manageable monthly insurance premium. While using these techniques, it is still very important that you shop around for the best quotes you can find.

If you have a garage or underground parking then you will be able to help lower your premium. This is because a vehicle that?s parked indoors is less likely to get singled out for theft or vandalism. The insurance company will be able to reduce your rates if you?re able to reduce the risk of something happening to your vehicle.

If you have previous experience driving a 4×4 then you may be eligible for a lower rate. While this is not always the case you should ask your insurance agent if it makes a difference. Also by having more experience you will be less likely to get into an accident ad you will know how your vehicle responds better.

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 4×4 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 4×4 with a category 1 or 2 security rating you may end up getting lower rates as well. These categories indicate that your 4×4 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.

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


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