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 by: Simon Jacobs

How to save s on cheap car insurance

Life, it seems, is one continuous cycle of spending.

Mortgage, council tax, gas bills, pensions, road tax, TV licence, telephone bills, MOTs. The list seems endless. Its a wonder that weve got any money left over for the things that we enjoy.

Most of the bills we have to pay dont leave us with any choice; its a set fee and non-negotiable. But there are some things that we have a degree of control over.

And, thankfully, motor insurance is just one of those things. By searching around the plethora of different companies and policies that are available you should be able to get a deal to suit your budget.

But there are also ways of saving a little bit more cash and ensuring yourself an extra cheap car insurance deal. And Duck2Water Car Insurance Services have revealed how to do it, betraying a few industry secrets to give you the low-down on bagging some cheap car insurance.

Start off by clearing all the old junk out of your garage, making enough room to squeeze your car in. A vehicle parked in a garage is so much less likely to be stolen or vandalised than one left on the street and a car insurance company will recognise this, giving a significant discount.

If theres no garage available then the driveway still beats the street but do make sure that you get hold of a decent steering lock and, if possible, invest in an immobiliser too.

Arrange to go on an advanced driving course where youll learn a few extra little skills. It may seem a big hassle, especially if youve just passed your test, but motor insurance companies put a big value on courses such as Pass Plus, and as a result you should save a few extra pennies. As well as that, youll learn some valuable driving skills that are definitely going to come in handy somewhere down the line.

However much discount youre going to be able to negotiate, your car insurance is still going to cost a fair bit. Its tempting to spread the cost of the payment out over the course of a year, but if possible, try and pay it all up front. Most motor insurance firms charge a fairly high rate of interest, so if you really cant afford to pay the lump sum, see if you can borrow the money more cheaply somewhere else.

If your car is getting on a bit, consider buying third party, fire and theft cover instead of fully comprehensive. If you drive a bit of a heap then think about whether your car is worth the extra premium that youll pay to get it comprehensively covered. Youll still be insured against any damage that you cause to another vehicle or person and youll receive the whole value of your car if it happens to get stolen or burnt out.

Shop around for a quote; dont just buy from the first company you come across. Try different combinations of options that are available to see what the best price you can get is. And if you do find a cheap car insurance quote that you think sounds good, tell another company and give them the chance to undercut the price. After all, theyre desperate for your business and so should be willing to knock off a few pounds to have your custom.

Most importantly, buy your car insurance online. High street insurance firms arent worth dealing with as they wont have a chance of matching an online quote. An online firm, on the other hand, has got lower overheads so can afford to cut the price right down and give you a bargain.

Following these few simple guidelines is a guaranteed way to save a few quid and get a cheap car insurance deal.

About The Author

Simon Jacobs, Duck2Water Car Insurance (www.duck2watercarinsurance.co.uk)

Duck2water Car Insurance Services are experts in cheap car insurance and can provide fast, free quotes in a matter of seconds just go to http://www.duck2watercarinsurance.co.uk or call 0808 144 0136.