Watch our video explain three things you need to know about car insurance, then follow our tips to reduce the cost of reporting.
1. Use comparative pages to get fast deals
Price comparison websites are a good starting point, allowing you to quickly get multiple deals. The sites are not always 100% reliable, but so be sure to re-examine political interests all you need when you click the provider's website. Remember, not all providers listed in comparison pages - check hotline, Aviva and Zurich, and see if they can provide cheap housing.
2. Adjustment on the right
If you are willing to pay more in the franchise - the amount you have to pay in case of damage - your insurer will reward you with lower bonuses. However, you should choose your care franchise.
Setting the bar too high, especially if it begins to be close to the claims to its limit, could claim to make your car insurance either useless or too expensive.
3. Choose carefully your occupation
The insurers consider many factors in the cost of covering the calculation including what he does for a life. However, headings for used work can have broad meaning that many drivers might fit into many different segments.
If you work at publishing as a writer for example and continues to work as a journalist it is probably more than you would pay if smother publisher, editor or reporter. If you are unemployed, but a housewife or man, as housewife lie down in place you can save money.
Keep in mind, however, that you are never above work. Do not say butchers if you are a baker. This is considered fraud and could be prosecuted.
4. Avoid modifying your car
Do not be fooled to think that insurers are only looking at the boy racing cars that are being modified. Even a small change in your car, including new alloys, can raise premiums. If you are making changes to your car, always first discuss with your insurance company.
On the contrary, any change to your vehicle, increasing the security that you can save money. The installation of an alarm, tracker or immobilizer - especially if the security research firm Cham car approved - you can dump your insurance premiums cars.
5. Paying for your cover per year (if you can afford)
The insurers will give you the option to pay in two ways - on a monthly or annual basis, in a lump sum. While the monthly payment can seem like a reasonable way to spread the cost, which can cost more than the payment of £ 100 per year.
Paying for coverage on a monthly basis is to take a loan, usually at high rates, from your provider. May may vary, but may be as 40%. Some insurance companies also charge you a fee for setting up a monthly payment plan. Kwik Fit, for example, cost £ 35 you credit for providing.
Always check to compare monthly payment rates and the annual cost on the deck. It is not always clear comparing pages you would pay in April, so check with the primary insurer before accepting an offer.
6. Prevent the automatic extension
The insurers retain the best deals for new clients and often drive premiums for their loyal policyholders. Rather than simply let your policy roll in another fiscal year and see if you can find a lower premium. Even if you stay with your provider you can use this as a platform to haggle.
7. Check specialists
Drivers over 50 and under 25 drivers are statistically more common than other drivers involved in an accident, which means that you will pay even more in coverage.
The black box car insurance, but also known as telematics, can be used by any car driver to save money. A black box is mounted in your car, tracking, like driving. If you can prove you're a good driver who is rewarded, usually with cheaper housing.
If you are an older driver, there are specialized providers like Saga, Age UK and RIAS, you can get quotes from.
8. Test with one agent
If you still have problems finding suitable car cover, use 'Association of British Insurance Brokers to find a service broker'. Call them at 0370 950 1790 or recognize biba.org.uk for more. You can also contact the What? Money helpline for help with accommodation.
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