The premium you cited, and are asked to pay will depends on various factors and one of the factors that make a big difference in how much you pay to make premiums depend on the amount of the surplus that you are prepared to defend the case, you should submit a claim. All companies require you to pay so much the cost of repairs to your car and you are willing to pay for it, the cheaper the premium.
However, if this as an option to reduce for a way to the premiums on your auto insurance, you must determine if you think the risk would be useful. If your driving and safety training record is impeccable, so it is in your favor. But if you asked before that date is not in your interest to try and bring insurance premiums YourCar them, if you are willing to stump of a larger excess are.
If you want to save money this way then maybe you could plan to put money aside that you said your surplus. This ensures that if the unthinkable happens, you do not have to make about the search for money.
If you have decided how you want to pay for its excess, it is essential that you shop for car insurance the cheapest. You should get quotes from many insurance companies as you can either an independent broker is right for you.