You could find lower cost motor insurance by searching online and it's one of the easiest ways to get insurance for your car while getting the best deal possible too.
Imagine making a cuppa, kicking off your shoes and sitting back in your chair while you shop around and compare some of the leading car insurance providers in the UK.
Well, with your home computer, the internet and a comparison website- you can.
Not only could you find lower cost motor insurance online but you could also get a whole host of information about insuring your car, helping you choose the right policy for you and make savings.
There are a lot of different ways that you can cut down your car insurance costs if you know how.
Some of them may require you to spend money initially, which could well be worth it in the savings you could make year after year.
Others require nothing more than some consideration.
Ask yourself the following questions: How secure is my car? For instance, think carefully about how safe your vehicle actually is.
Has it got a steering wheel lock? an alarm on it? If the answer is 'no' then paying for these could result in lower cost motor insurance.
The savings made over the years would allow you to recoup any money spent.
Where do you park your car? If the answer is on the roadside then you could pay more for cover than if you parked it in a garage securely under lock and key.
What type of car insurance do I need? Fully comprehensive cover would provide the most protection for your car but it is the most expensive.
If you have a brand new or a high value car, then fully comprehensive insurance will probably be your only choice to ensure that your vehicle is adequately protected.
Third party, fire and theft cover is less expensive than fully comprehensive, although it does not give as much protection for your own car as it does the third party.
However, this may be a suitable choice of car insurance for those who own a cheaper, second hand car.
How much excess would I have to pay? The excess is the amount of money that you would have to pay if you were to claim on your insurance before your insurer pays out their part.
If you offer to pay more for your excess, then you can often get a discount on the cost of your car insurance.
One thing to bear in mind though is that you would have to find this sum of money before the provider would then pay the rest.
For example, if you elected to pay an excess of £150 and your claim totalled £300, you would have to find £150 out of your own pocket.
As you can see, lower cost motor insurance can be found by using a little knowledge and the power of the internet, meaning you get protection at a price that suits your budget.