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.

These are all ways that you can lower your import car insurance premiums:

1. The type of vehicle you own makes a difference to the cost of your insurance. The costlier the car, the more expensive your insurance will be. Since imported cars tend to be more expensive, you might want to look into getting a slightly less expensive model if you happen to be looking for a new car and would like to save a little money on your insurance.

2. Look into owner’s club membership. These clubs often have insurance discounts available for members. The club negotiates as a group for a lower rate, much as a group health insurance plan does.

3. Ask your insurance company about any additions or modifications you can make to your car to obtain a discount. For instance, some insurers will provide a discount for import car owners who add performance enhancing features.

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. Be security conscious. Many imported vehicles lack the security features common in domestic cars. These cars are also desirable targets for thieves, so not only can you get a discounted rate on your car insurance by installing security features like an alarm, immobilizers and tracking systems, but you’ll also be protecting yourself from having your expensive car stolen. The discounts offered by many car insurance companies for this are substantial, so these are features which are well worth installing in your vehicle.

People choose imported cars for a variety of reasons; even though they can cost a little more to insure, they often provide excellent fuel efficiency and performance. While the car itself may certainly be worth a little extra expense to you, keep in mind that you could probably paying less for your import car insurance.

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