Your Ford Kuga is one of the easiest cars to insure – it has the highest NCAP safety ratings in its class and will therefore be a lower risk where injury to occupants or pedestrians is concerned. It is very important that you shop around and compare quotes from as many different insurance companies to find the best car insurance. You need to find an insurance package that suits your individual situation – and that might not necessarily be the most expensive or the cheapest insurance you can get.
Using internet quotes makes it very easy to find the best insurance for you – but at the same time it is quite difficult to decide which of the many quotes to accept. Insurances differ widely, as they each cover different eventualities. If you do not have children, it is unnecessary to have coverage for a child’s car seat included. Insurance for a younger person or someone who has not had their licence for very long is more expensive than for more experienced drivers. A standard car without any customising to the engine will also be cheaper to insure.
The less you drive, the lower your premiums will be. It is also a good idea to ensure that your Kuga has an alarm or immobiliser system installed, as this lowers the risk of it being stolen. This means that the best car insurance will be cheaper. If you park your Kuga in a lock-up facility at night, it means less chance of it being stolen and therefore a lower insurance premium.
Another way to ensure lower monthly premiums is to voluntarily offer to pay a higher excess amount in case of a claim. Make sure you are not paying for included options which you will not make use of – if you do not travel abroad with your Kuga, you do not need coverage in a foreign country.
You could find that the best insurance for you would entail not to take out comprehensive insurance, which covers more eventualities but is also more expensive. Third party and fire insurance will cover damage and injuries to the other vehicle and driver only and also cover your vehicle in case of fire.
The less you claim against your insurance, the better, as you will be awarded a no claims bonus which will lower your premiums. If you insure more than one vehicle with the same company, your premiums will be lower.