but how can you lower car insurance??
apart from loose the 6% premium tax? (up from 5% earlier this year b.t.w)
Car insurance is high, and rising, because of the very very high cost of personal injury litigation. The costs of lawyers, on both sides, and the payouts, as well as the recovery firms and admin in between.
This is ALL because modern cars are too safe.
Bare with me
Unless accidents are at a very high speed resulting in death, the majority are "bumps".
"ooh my back, my neck"
Injurylawyers4u etc.
"I have whiplash" put a claim in!! Modern car = expensive repair costs ££££££ all down the line.
You know this.
Solution?
Everyone drive an old car.
Why?
1. greater chance of outright death. = reduced/fewer payment(s) from insurance company.
2. Lower cost to repair or replace car.
3. Fewer or no safety aids in car = more defensive/cautious driving = fewer accidents.
