In the UK it is law that you have current auto insurance if you want to drive on the public roads. So, why pay more for your auto insurance if you don't have to. After all the money is better off in your pocket than theirs.

Here are 10 ways to help you get cheaper auto insurance. If you can implement some or all of these, you will possibly save some money on your auto insurance.

1. Shop around every year for a better deal

To get the best deal on your auto insurance, you need to compare insurance providers, preferably every year. With the use of the internet it is not a difficult task. Different companies have special offers at different times so you may be able to change to a provider that has a current deal on when you are looking to change. There is no charge for you to change insurers, and companies often provide new customers with extra bonuses.

2. What bolt on "Goodies" are included?

Several insurance policies are now very simple and you can add other features and services at an extra cost. Ask yourself, do you need all of the extras that are supplied?

3. Courtesy Cars

You need to find out if a courtesy car is included in your insurance policy. When is the courtesy car supplied? Does your car need to be written off or only damaged? Do you have to pay extra insurance on the courtesy car? If this add on is not needed then remove it from your policy and save.

4. Legal Protection insurance

This insurance is there to cover you if you are involved in an accident that is not your fault. It allows you to claim loss of income from the insured driver who is at fault. The insurance pays for the legal fees of the court case. All of these claims are assessed on the possibility of winning the court case. If the insurers do not think you will win, they will not pay the lawyers to have a go and hope for the best.


5. Roadside Breakdown Assistance

Does your insurance policy include breakdown assistance? If you already are a member of a roadside service, then there is no need to be paying twice. Often when you buy a new car, this service is included for the first two years.

6. How do you pay for you car insurance

Paying your bills on a monthly basis is much easier on your cash flow, however some insurance companies charge you extra for this pleasure. Check with your insurer to see if they charge an additional cost for this service. Calculate how much the difference is, as you might still be saving money over the year with a slightly higher premium if you have the use of the money instead of the insurance company.

7. How much is your excess?

Your insurance policy excess is the amount of money you are willing to pay at the beginning of a car insurance claim. The higher your excess is, the lower your premium will be. Check your insurance policy as you may have different amounts of excess for different drivers or different types of damage.

8. Personal Belongings

Does the insurance policy cover any of your personal belongings in the car or replacing the locks after the event that you loose your car keys? This bolt on can be very important if you usually carry expensive equipment like computers in your car. You might have to itemise some high value belongings with the insurance company before they are covered, so check first.

9. Authorised repairers

Often insurers will allow you to get your car fixed straight away by using one of their authorised repairers. This will speed up the process in getting your car fixed. If you have to get three quotes from three different repairers you will spend time running around and organising paper work. This will delay your car getting fixed and back on the road.

10. Do you have your home insurance with the same provider?

If you have your car insurance and home insurance with the same insurer, they will usually give you a bigger discount on your premiums. This can also be an advantage as you only have to remember one comapnies details in the event of an accident.

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Nigel is a successful webmaster and publisher of a UK website highlighting car insurance best deals. This site allows you to check no claims car insurance costs and commercial insurance vehicle quotes.