CAR INSURANCE SAVERS

There might be areas when driving where you can scrimp and save but car insurance is not one of them. However, it doesn’t have to break the bank you just need to be clever about it.

Always shop around. I am sure when you took out car insurance for the first time, you looked for the best deal, so why not now. Don’t assume that your current insurances will offer you the best deal.

You will also save money by buying online. There are lots of websites that compare different companies, allowing you to enter your details only once and look for the best quote.

Go back to basics – when you buy a new car, think about the engine size. The faster and bigger the car, the higher the insurance premiums.

If you can park your car on a driveway or in a garage you will bring down the quote. Those that reduce the risk of damage to their car are rewarded with cheaper insurance. So make sure you have an alarm or immobiliser fitted, keep your mileage as low as possible – perhaps walk to the corner shop and make sure the car is always locked, it only takes a second for a thief to pounce.

If you are a safe and careful driver, you could consider upping the excess. If you agree to a higher excess, it can reduce you premiums by hundreds.

Natasha Simper of Britannia Driving School said: “Although we all like to save a few pounds, it is important not to compromise on adequate cover. It might seem like a good idea not to take out legal cover or protection for claims against uninsured drivers, but in the end it will cost you a fortune financially and emotionally.”

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