Cheap car insurance — tips on finding it
Have you noticed some of the Arab oil producers seem to be cutting down on supplies so, despite the price wars between the supermarkets, the average petrol prices are now more than £1.35 per litre, with the average diesel prices at more than £1.40 (in some parts of the country, diesel recently crashed through the £1.50 barrier). If tensions in the Middle East get any worse, the pump prices could rise higher. Finding the cheapest fuel is all about being a savvy driver. Loyalty should be gone. You should be using one of the online sites to find the cheapest fuel in your area. Yes, this may mean changing your habits, going to petrol stations outside your neighbourhood. But, when it comes to saving money, we all have to be flexible. It's the same when it comes to finding cheap car insurance. Yes, you can build up no-claims discounts if you stay with the same insurer. On paper, this always sounds a good deal. Except, with that mindset, you get locked into the same company and renew on autopilot. You never look to see what the other insurers have on offer. Why take the risk you're paying over the odds when it costs you nothing to use this site. With just a few clicks of the mouse, you can have a small pile of quotes to compare and contrast. Just as you should keep changing the petrol stations to keep buying fuel at the lowest prices, you should be changing insurers whenever you find better premium rates at the time of renewal. This assumes you're actually a good driver. Anyone who picks up a speeding ticket or gets caught driving badly is facing the risk of a premium increase. Insurers have years of statistics showing those who drive too fast or have a reckless streak, have a higher risk of an accident. This means higher premiums. If you actually make a claim, the bonus goes and the rates may rise. There are two morals here. Drive safely and earn lower premiums — keep your cheap car insurance policies. Second, if you have a minor accident with no-one injured, pay for repairs out of your own pocket. In the longer term, this can save you a lot of money. Again this may mean changing your habits but, when it comes to economising, needs must!
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