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The first thing to do is to state what you require from your insurance. There are desirable things and essential things. If you need your car for work then a replacement car is essential if you are in a accident. If however you only use your car at weekends then you may not need a replacement car. The amount you drive, when and how often will all affect your premiums.

The amount you pay for insurance depends on lots of factors. The number of years you have driven, the number of years you have made no claims. The type of work you do. Your age and sex. Different companies will access this risk differently so by using price comparison sites you can save money.

Price should not be the only criteria however. Does the company offer good customer service. Are they recommended by which or other companies. Having a cheap quote, but a company with poor customer service may not be a good deal.

The other way to save is to combine car insurance with home insurance or other types of insurance. Companies will often give you discounts if you already have insurance with them.

Another tip is to get a quote from one company and call another saying what you already have been offered. Some companies have to beat or match any existing offer you may have been made.

Applying directly through the internet can often save you at least 10% on the premiums.

You have to access how big a risk you are. If you rarely have accidents then you can pay a greater deductible and so save money. If you have frequent accidents you may want the smallest deductible.

It is worth checking if your company offers any group insurance schemes. If you work for a large organization, they can often offer you greater discounts then you can negotiate yourself.

If you are female, you may want to check out companies that specialize in this area. This is the same as if you are over 50 etc.

When using price comparison sites, not all are equal. The bigger sites have more insurance companies and can negotiate better rates if you do through them. Some companies do not sure comparison sites so it is worth making contact with these directly.

When you have found an insurance company that you like, check to see if there have good feed back from other customers. There are lots of websites now where people leave feedback and how they have been treated. Consumer magazines such as which and BBC watch dog are good starting points.

Always shop around for better rates every year. Insurance companies rely on the fact that most people do not,so you will almost definitely save money if you do.

Learn more about this author, Norman D'Souza.
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