| Here are some easy things you can do to avoid | | | | possible to protect your no claims discount for the |
| overpaying for your car insurance. Try these ideas to | | | | life of your policy, so that even if you had to make a |
| see how much you could save. We know we all need | | | | claim, you would still be able to maintain your no |
| to have car insurance, but it\'s not getting any easier | | | | claims discount level. |
| in these days of financial turmoil. That doesn\'t mean | | | | Then there\'s the excess: The excess on a policy is |
| you have to blindly pay whatever your insurer quotes | | | | the amount of a claim you have to pay before the |
| though, as there are several simple things you can do | | | | insurer pays the rest. Choosing to have a higher than |
| to reduce the cost of your premiums. | | | | standard excess level will usually mean lower |
| Firstly, you should shop around as much as possible - | | | | premiums. |
| too many people don\'t even do this step which is | | | | How secure is your vehicle is the next question to |
| unforgiveable with the internet at our disposal these | | | | ask yourself. By fitting a proper alarm and immobiliser |
| days. The wonderful world of the internet allows you | | | | it can also reduce your premium. Parking you car |
| to easily compare insurance costs of various insurers, | | | | off-road, for example on a driveway or in a garage, |
| so get looking today. Plus, you\'ll usually get a | | | | will also mean a cheaper policy. |
| discount of 10% or more just for buying your policy | | | | Pay annually: Many insurers charge you interest for |
| online. | | | | the privilege of paying in monthly installments. So |
| Then there\'s policy type: do you really need a | | | | definitely pay annually if you can, but if you can\'t |
| comprehensive policy with all the extras? Going for a | | | | manage this, then find the insurers who don\'t charge |
| third party fire & theft policy can reduce your | | | | extra for the monthly payment method. |
| premiums hugely, and is definitely worth considering if | | | | Mileage: The more mileage you run up every year, |
| your car isn\'t an expensive model. | | | | the more your insurance will cost. Even if you can\'t |
| Thirdly, there\'s the no claims discounts: Nearly all | | | | reduce your mileage, make sure you\'re not |
| policies feature a discount that increases for every | | | | overestimating how much you actually do drive, and |
| year you don\'t make a claim. The higher the | | | | give your insurer an accurate figure. |
| discount available, the more you could save. It\'s also | | | | |