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In the previous part of this article I covered ten ways to help reduce your car insurance quotes, despite petrol prices going down our insurance premiums continue to rise to the point of many of us questioning whether having a car is really worth it. 

Well help is at hand yet again, here are another ten tips and tricks to help bring your car insurance quotes back down to manageable levels.

11 – Avoid the soft top at all costs!  Soft top cars are an insurance nightmare; they’re easy to break into and tend to be higher performance vehicles.  You’re more likely to be hurt in an accident too so medical costs being claimed for are going to do you no favours come renewal time.

12 – Get extra qualified for driving by taking a pass plus course or an advanced driving course, by learning how to be safer and being able to drive more confidently in most situations you are proving to your <a onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.moneysupermarket.com/motor/”>car insurance</a> provider that you can be trusted not to wrap your car round a lamp post.

13 – Cut down on who is listed as a named driver on your car, the more people that drive a car the more risk there is and so premiums shoot up.  Fewer drivers, especially teenage drivers will typically bring your quotes down assuming you have a clean record yourself.

14 – Save money on your breakdown cover by checking your battery, water, oil and petrol levels before a big journey and every few months for your oil as these can be common call out reasons.  You’ll typically receive a no call out bonus at the end of the year if you don’t need to call out the AA, RAC or whoever you are with.

15 – Consider only insuring 3rd party, fire and theft <a onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.moneysupermarket.com/insurance/”>insurance</a> if your car is old or of low value.  Cars under £2000 in value are typically not worth insuring with full comprehensive cover as most repairs will cost more than the cost of the car. 

16 – If you are deemed a bad risk from previous convictions or financially then there are some insurers who specialise in insuring people like you!  Search them out and ask insurers whether they will cover someone in your circumstance.

17 – Some companies will offer No Claims Bonus protection where in certain circumstances you will not have to lose your NCB, typically this helps when someone else is found to be at fault of an accident with your car, considering NCBs are highly sought after it’s no surprise that many people want to keep their record squeaky clean.

18 – .Compare multiple providers, by checking with other companies you may be able to find the perfect insurer for you personally.  Sometimes playing one insurer off against the other may even help, when you get quoted for a price and another has quoted a better price then mention it and ask if they can beat it, if they won’t then you have still got the other provider so you can’t lose.  Again: don’t ask, don’t get.

19 – Lower your mileage and you can get some nice discounts, because you’re on the road less then you’re less likely to be involved in an accident.  Mileages under 12,000 typically earn 5 to 10 percent discount on <a onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.moneysupermarket.com/motor/”>car insurance</a> and if you’re in a household with multiple cars and have a mileage of fewer than 5,000 then you’ll get even further cuts.

20 – Sometimes going direct to the insurers themselves can be the best option; some insurers do not buy into the whole insurance broker business and their discounts are saved for those who contact them directly, invariably this is only a small amount of insurers that adopt this policy, possibly because they don’t have very competitive prices!

So there you go twenty tips to drag your car insurance premiums down, by simply heeding the advice of a few of these tips you’re going to help bring your car insurance quotes down to a more manageable cost.

Mastercards are a perk in life that can help build credit scores and can get us thru times of emergency when money isn’t available to do so. Unfortunately, credit cards are used for common-or-garden purchases in any case if the acquisition is a want or need, and cards are also employed in times of finance trouble further causing debt. Though at the time of using the card it could seem like it is helping economize by saving money, after interests rates and charges that little purchase will result in a massive fiscal strain leading to years of debt.

It is necessary to realize when credit card debt has gone too far. A few factors can help establish when outside help is wanted to eliminate or cut back the amount due to creditors. Necessities being acquired with credit on a consistent basis sends a huge red flag that help is needed. Minimum, or less than minimum payments each month even on a semi-regular basis is a cry for help.

For those drowning in Credit card debt there is an option available called Debt Settlement. Different companies are available that can work with people to lower the amount on their visa cards, lower or eliminate fee payments, or develop plans to clear the visa cards. Debt Settlement will not only eliminate or seriously reduce money strain they may also stop hectoring calls from credit collectors.

Nonetheless, it is advisable going with a trustworthy and credible debt counselor before making any decision, this way you can save time through specialized advise coming from a seasoned debt counsel and cash by getting better ends up in a shorter span of time.
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When you are looking around for a new car insurance policy you will find that you may be overwhelmed with choices. You need to remember the different levels of cover may also affect your premium.

Every car has an insurance grouping, this basically means that every car is put into a category of different levels of risk groups, this is something that you need to consider when buying a car

If you need to cut the costs on your car insurance then the best way is to sacrifice the fully comprehensive coverage and any money that you save by doing this could be added to a high interest savings account to save money for later on.

Another sure way of reducing your car insurance costs is to drive safely, having fewer tickets or accidents will reduce your monthly premium and will save you money both now and in the future. Acting responsibly when driving will not only save you money on your car insurance but will also keep both yourself and others safer on the road.

If you have more than one vehicle then always remember to ask your insurance company if you can receive any sort of discount for insuring more than one car with them.

The type of car you drive will effect your car insurance, generally the bigger the car the higher the insurance, to save money you could consider driving a smaller car with a smaller engine, this will reduce your car insurance quote.

Car insurance companies will offer discounts if you have safety equipment attached to the car, anti theft devices and air bags or similar equipment often do not get mentioned when applying for car insurance but could save a considerable amount of money.

If you park your car in a locked garage make sure you advise your insurance company of this as this could get you a safety discount

Ask about age discounts, some companies will offer a considerable discount if you are aged between 40- 50 and remember to only buy the cover you need, you may be tempted to add on additional cover or extras such as road side assistance however if you are someone that does not travel far this may be something you simply do not need.

If you have more than one car make the older or less valuable car the main car for any younger drivers in your household as age can have a big effect on car insurance. If you do have young drivers in your home a great way to reduce their car insurance is to take additional driving courses.

You may also want to consider changing your excess, this is the sum of money you would pay if you needed to make a car insurance claim. If you increase this amount your quote should go down.

Always get more than one quote when you do look around for car insurance, there are many easy and quick online forms that you could fill in to get a quote there and then.