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Cutting the costs of car insurance
Car owners will be all too aware of the multitude of extra costs involved in running a car these days – tax, MOT, fuel (especially with petrol costs spiraling to over a pound a litre) and of course insurance all add up to ensure that even after you've shelled out for your shiny new dream machine those niggling extra costs just keep on coming. Whilst all of these expenses are pretty much unavoidable the savvy motorist can shave a little bit off the costs when it comes to buying car insurance.
The key to keeping your insurance costs down is quite straightforward – shop around. Far too many of us seem content to accept our existing insurer's renewal policy, a mistake that insurers bank on. As with most financial products the best deals tend to be dangled in front of prospective customers. With a bit of forward planning you'll probably be able to hunt down a far better deal and won't have to accept what is likely to be a somewhat less than competitive deal.
I have a hunch that a lot of people simply can't be bothered to try and track down the best car insurance deals and to be honest it can be a bit of a chore. These days however the internet has made the whole process considerably easier and less time consuming. Sites like Motley Fool Car Insurance will search hundreds of deals and find the best deal based on the details you've entered. Companies like Asda Finance are also branching out into car insurance and because they offer what's known as panel insurance (which means they use a panel of 20 insurers to find the best deal for you) you can usually pick up a pretty good deal without having to scour the internet yourself.
It's also well worth looking into the possibility of adding another driver to your policy especially if you're a young driver. Even if they're never likely to drive the car, adding mum or dad could make you a considerable saving. Bear in mind that Insurers will make a judgment on your perceived risk and there's a whole range of factors that could play a role in their decision. For instance, home owners will generally be viewed as more responsible and are thus more likely to get a decent deal. Other factors that might count in your favour include security issues like whether or not your car is fitted with an alarm, if it's locked in a garage overnight; if you think anything might improve the insurers perception of you make sure you mention it. There's also the small matter of your no-claims discount – if you haven't claimed for five or more years you could be in line for a pretty substantial discount.
Finally, if you can afford to, paying your car insurance up front could make you a very worthwhile saving – paying in monthly installments often means you'll be charged an APR (up to a fairly scandalous 25% in some cases). Even if you can't afford to pay up front you could consider a 0% credit card which would mean you could effectively pay in installments without the unreasonable interest.
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