Following announcements from leading motor insurers in 2007, premiums for UK automobile insurance are expected to rise by 10-20% in 2008.

A range of causes happen to be quoted from a rise in claims because of unforeseen events like the recent floods to premiums currently becoming artificially low for some years. Whatever the cause, a further hike in motoring costs coupled with increases in other non-discretionary costs of living mean that 2008 could be an costly year for millions of UK residents.

Fortunately, you will find numerous steps you are able to take to counter these inflation busting increases on your motor insurance.

STEP 1 – Don’t believe the hype

In spite of what the adverts tell you, there is far much more to discovering the cheapest cover than merely comparing the quoted rates. It’s a complicated, multi-variable product, and deserves your attention simply because of this. Have a great think about how and when you use your automobile and what type of cover and options you do and don’t require. Numerous of us continue to renew policies with choices we don’t need and are unlikely to use.

STEP 2 – Search online for the proper cover and the lowest price

The main benefit of looking online is that you can compare cover and premiums from a number of dozens of businesses using exactly the same info. Price comparison sites will provide you with a baseline to function from, but be aware that not all comparison sites are equal. Some make assumptions about your requirements and get quotes that might be higher or lower than you will be offered. Appear for comparison websites that guarantee the accuracy of the premiums quoted.

STEP 3 – Look to non-traditional and newer insurers for the best costs

A surprising study run by a consumer advocacy group ran profiles through 33 insurance businesses through numerous price comparison sites, and checking a number of risk profiles. The end result was that newer insurers, and insurers not recognized for doing motor cover consistently came out with the least expensive premiums. Don’t close your eyes to a great cost just because the business isn’t “known” for automobile insurance.

STEP 4 – Get cover that matches your driving requirements and habits

Many of us just purchase a standard car insurance policy with cover choices that we are unlikely to need or use. If you are a low mileage driver with a standard policy you could be wasting hundreds every year. There’s even a brand new ‘pay as you drive’ policy that uses a GPS device installed inside your car so that your premiums are linked to your individual driving habits including mileage, the roads you use and time of day you use them.

STEP 5 – Decrease the risk and make the most of discounts

Premiums for any insurance are based upon risk, so to decrease your premiums attempt and reduce the risk of needing to claim on your policy. Elements like exactly where your car is parked, how it is utilized and how secure it’s are all factored into premiums. A little known trick that may function with some insurers is to add a low risk named driver for your policy. A female more than the age of thirty with a clean driving record can cut your premiums by 5-10%.

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