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Car Insurance
There is such a variety of factors that affect how much you pay in terms of car insurance - where you live, what type of car you drive, your history as a driver among others - so there are no 'one size fits all' policies, but you can certainly save yourself time and money with the right techniques.
Firstly you should make your car as low risk as possible: parking away from the street in a garage or drive at night is advisable, as is getting an alarm and/or immobiliser, and calculating your exact annual mileage can also help. You should also consider how much you would be prepared to pay yourself (the excess) in the event of a claim - the more this is, the less your premiums.
To save vast amounts of leg-work you can use an internet comparison site to see prices side by side; simply enter your details and the site will find the cheapest deal for your circumstances. This kind of site works differently from those of insurance brokers, who only have a limited number of insurers whom they use, and as it also compares some brokers' prices too, you should get the best deal.
Due to the dog-eat-dog nature of the insurance market at the moment, you can often get a better deal by showing your present insurer a cheaper quote from another company - they may now want to better it or offer you other inducements to keep your custom. If this doesn't work, remember that if you find a better deal, switch, as your present provider will almost certainly refund the rest of your premiums as long as you haven't claimed on the policy.
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