| The car insurance industry has got really | | | | 25 with a good driving record on your policy |
| competitive in the last few years, so prices | | | | as a named driver. That person must be under |
| haven't really changed much. There are now | | | | 60 though, as premiums rise again at that |
| over 100 car insurers to choose from, so | | | | age. |
| there are some very good deals out there for | | | | |
| those who are prepared to shop around. 23% of | | | | Agreeing to higher excess (the average cost |
| motorists still choose to insure with the | | | | is ?100) will help lower your premiums. |
| same company as the year before, but they | | | | |
| could undoubtedly save money if they did | | | | If your car is not of a high value, you could |
| check out some other companies. | | | | get third party cover and make quite a saving |
| | | | compared to fully comprehensive insurance. |
| Motorists could be forgiven for not getting | | | | |
| other quotes, it used to be a very laborious | | | | Pay as you go insurance is a new option for |
| exercise involving long waits while getting | | | | 18-21 year olds. It's a recent development |
| routed through the call centre, and boring | | | | introduced by Norwich Union, in which you pay |
| repetition of facts to sales advisors. Now, | | | | a unit cost per mile. The cost per mile is |
| thanks to the internet, it's all a lot more | | | | more between 11pm and 6am. You pay an initial |
| simple. Car insurers also offer extra | | | | fee of ?199 to have a Global Positioning |
| discounts to people who buy online. | | | | System fitted to your car, and then it |
| | | | transmits details of your mileage direct to |
| However, you need to consider the quality of | | | | Norwich Union. They send you a monthly |
| the policy, not just the price: | | | | invoice and you pay for the miles you've |
| | | | done! |
| ? Check that your low quotation is not due to | | | | |
| an extremely high excess. | | | | Taking Pass Plus lessons to improve your |
| | | | driving abilities could save you around a |
| ? Check that you will get a courtesy car if | | | | third on your premiums. They cost ?15 - ?30 |
| your car needs to be taken in for repairs. | | | | an hour and cover driving at night, in busy |
| | | | rush hour jams and fast motorway driving. You |
| ? Check that legal insurance cover is | | | | can find out more at . You can also improve |
| included, if you want it, and automatic | | | | your driving skills and make insurance |
| windscreen replacement. | | | | savings with the Institute of Advanced |
| | | | Motorists ( ). |
| ? Find out if there is an accident help line | | | | |
| in case of an emergency. | | | | Find out the insurance group of a car before |
| | | | you make the purchase. There are twenty |
| It's a good idea to ring the insurer direct | | | | insurance groups ? the slower and less |
| to talk through the policy in detail before | | | | desirable the car (to criminals) then the |
| signing up online. | | | | lower the rating. You could make considerable |
| | | | savings by choosing a car in a lower |
| Money saving tips ? recommended! | | | | insurance group. |
| | | | |
| You can get a quote with over 40 car insurers | | | | If you want a high spec or performance car |
| if you input your details into a good car | | | | then you can expect to pay a lot more on your |
| insurance broker's website. You'll only need | | | | insurance. They're a lot more likely to be |
| to give your details once. Call the insurer | | | | stolen or involved in an accident. Making the |
| with the quotation to check exactly what is | | | | sensible choice might be a bit boring, but it |
| and isn't covered. | | | | will be a lot cheaper. |
| | | | |
| If you have a garage, then you'll save by | | | | Watch your speed. Most insurance companies |
| keeping your car there overnight. You'll also | | | | will let you get away with a single fixed |
| make savings if you can keep your car on a | | | | penalty fine but if you repeat the offence |
| driveway. This is because there is more | | | | then your premiums will rocket. |
| chance your car being broken into or | | | | |
| vandalised if it's kept on the road. | | | | Protect your no claims discount as soon as |
| | | | you can (usually after four years). It costs |
| Give your insurer an accurate picture of how | | | | a bit extra but it's well worth it. |
| many miles you do each year ? you will save | | | | |
| if you travel less. | | | | Satellite navigation in your car will lower |
| | | | your premiums. Insurers have found that |
| Some occupations, like being a landlord, | | | | people concentrate more on their driving and |
| journalist or professional footballer (if | | | | less on trying to find their way, which means |
| only) attract higher premiums. You can save | | | | less chance of having an accident. |
| money if you work in finance or the civil | | | | |
| service. | | | | It's a good idea to have an engine |
| | | | immobiliser or alarm fitted not just because |
| Get married! Men under 30 pay more if they're | | | | it could help you keep hold of your car, it |
| not married ? it's just the excuse your | | | | will also make you a saving of 5-8%. |
| girlfriend is looking for! | | | | |
| | | | If there's two or more cars in the household, |
| Under 25's pay more, but you can get lower | | | | get them on the same policy to get a good |
| premiums if can put a driver over the age of | | | | discount. |