Car Insurance, Save On Premiums!

If you are due for a new policy, if your current one is running out, or if you just want to make sure that you're getting the best deal possible on your current policy, it's always worth shopping around.

With all the different companies out there competing for your business it can be difficult to know where to start. The following tips will help you get the best deal from your next policy.

How much car insurance do you need?

When looking for a new policy, the first thing you have to decide is how much cover you really need. These days most people opt for comprehensive policies, so check to see if this covers everything that may happen to your car. Will it cover any damage caused by an accident, or just accidental damage? What about theft? Do you need Third Party Property Damage cover as well? Do think about what's likely to happen – if you live in a part of the country where there is a lot of crime, or where kids like to joyride, it's worth looking into Comprehensive policies that include these things.

What cover do you have already?

Many people make the mistake of thinking that they need to get a completely new policy if they renew their car. This is not always necessary, especially if your existing policy includes a lot of cover. Make sure that you take a look at what you already have, and check whether any of this will be included in new policy. If you have other insurance (house or life), it may be worth getting car cover that works alongside these policies – for example, house contents can often include your car, so check with your insurance provider to see what's included in your current package.

How much will you save?

Another way to ensure that you get the best deal is to work out how much you're likely to pay in premiums, and then compare this with how much your insurer actually pays in claims. It can be hard to find this information out for yourself, but luckily the below websites will do it for you: http://www.directline.co.uk/car/insurance , and http://www.directline.co.uk/home-insurance . You can also use Direct Line's handy survey tool, which will give you a personalised quote based on your driving history. It will also tell you how much you could save if you changed to them, so it's definitely worth a go.

Car insurance and your credit rating

A lot of people worry about their credit rating when they shop around for car insurance. The fact is that most car insurers won't even check your credit rating when going through this process – instead they'll decide which policy to offer based on the information you've provided yourself (for example, your age, driving experience, gender and postcode). This means that you can relax and let the insurance company make the decision.

How to save money on car insurance

Unfortunately, there's no way to guarantee that you'll get the cheapest quotes. The fact is that a lot of this depends on where you live. For example, if you live in an area with a lot of crime it's worth considering PPI cover – this will give your insurer extra protection against claims being made for damage caused by theft, burglary or vandalism. If you've got children then it's worth registering them as drivers, as this could result in cheaper cover (although they also need to be insured). Other things that may affect the price include your driving history, where you park your car and what kind of damage is covered by your policy.

In theory it's possible to save a lot by shopping around – but in reality it's more about getting the best deal based on your individual circumstances. Both comparison sites quoted above will allow you to make a personalised quote for your new car insurance, so take a look and see how much you could save!

For further help with saving money on car insurance, see http://www.carinsurance.about.com/od/howtosavemoney/a/save_on_car_insurance.htm?terms= .

Car Insurance, Save On Premiums!

If you are due for a new policy, if your current one is running out, or if you just want to make sure that you're getting the best deal possible on your current policy, it's always worth shopping around. With all the different companies out there competing for your business it can be difficult to know where to start. The following tips will help you get the best deal from your next policy. How much car insurance do you need? When looking for a new policy, the first thing you have to decide is how much cover you really need. These days most people opt for comprehensive policies, so check to see if this covers everything that may happen to your car. Will it cover any damage caused by an accident, or just accidental damage? What about theft? Do you need Third Party Property Damage cover as well? Do think about what's likely to happen – if you live in a part of the country where there is a lot of crime, or where kids like to joyride, it's worth looking into Comprehensive policies that include these things. What cover do you have already? Many people make the mistake of thinking that they need to get a completely new policy if they renew their car. This is not always necessary, especially if your existing policy includes a lot of cover. Make sure that you take a look at what you already have, and check whether any of this will be included in new policy. If you have other insurance (house or life), it may be worth getting car cover that works alongside these policies – for example, house contents can often include your car, so check with your insurance provider to see what's included in your current package. How much will you save? Another way to ensure that you get the best deal is to work out how much you're likely to pay in premiums, and then compare this with how much your insurer actually pays in claims. It can be hard to find this information out for yourself, but luckily the below websites will do it for you: http://www.directline.co.uk/car/insurance , and http://www.directline.co.uk/home-insurance .

Conclusion

Car Insurance, Save On Premiums!

If you are due for a new policy, if your current one is running out, or if you just want to make sure that you're getting the best deal possible on your current policy, it's always worth shopping around. With all the different companies out there competing for your business it can be difficult to know where to start. The following tips will help you get the best deal from your next policy.

How much car insurance do you need?

When looking for a new policy, the first thing you have to decide is how much cover you really need.