Car Insurance 17 Top Tips to cut your premiums

There are now over 100 car insurance companies trying to attract your business and competition is so strong that in recent years, average premiums have virtually been at a stand still.

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However, bargains are always available as companies cut their prices to ( mortgage quotations ) increase their market share in the hope you'll remain loyal and stick with them in the following years. In fact 23% of us automatically renew our motor insurance each year.

It's the Internet that's been the revolution for car insurance in the same way as it has for products like life insurance and cheap home insurance. It makes shopping around so easy without the need to make loads of phone calls and thread yourself through the automated phone systems loved by so many call centres.

But remember that the lowest premium does not always give you the best policy for your motoring needs. You need to check out whether a courtesy car is provided if your car were in for repair and what claims excess you'd need to pay. You might also want legal insurance cover and automatic windscreen replacement. The availability of an accident helpline is also very useful when you're in the middle of an emergency. You'll need to phone the broker or insurance company you're proposing to deal with in order to check these points out.

The 17 Top Tips

Concentrate your Internet shopping on car insurance brokers. Their systems will automatically search for the best quotes from 30 or more insurance companies and save you a lot of time. You can them call them and discuss the relative ( mortgage quotes ) merits of the top quotes they get for you.
Make sure your car is garaged at night. Insurers know that cars left on the road are more vulnerable to damage and theft. If you don't have a garage at least keep it on your drive.
Make sure your estimate of the mileage you do each year is updated. If you move home or change your job you may have shorter commuting journeys and your premium should drop.
Your job can influence your premium. Journalists, landlords and footballers all pay more! Go for something a bit more boring! Civil servants and accountants pay less!
If you're not married, do so! Married men, particularly under 30 attract lower premiums than their single counterparts.

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