If you are looking to find ways to improve your monthly car insurance payments, then you will be pleased to hear that there are many small changes and considerations that you can make to help you do so. Here are some of the simplest methods of making savings, which you can use as existing insurance holders, or if you are a first-time buyer.

Switch to comprehensive storage cover. Should you need to store your vehicle for a time, consider switching that vehicle to comprehensive-only. As your car will not be on the road, you will be less likely to have a road accident, and so comprehensive cover could be all that you need. Your insurance rate will drop as a result, just be sure to change your insurance back to its normal policy when taking the vehicle out on the roads again.

The way that you pay for your car insurance can also affect the amount that you have to pay each month. Those who opt for direct debit or standing order payments will often be charged less than those customers who are billed each month and pay manually. This is the case with many gas and electricity suppliers and telecommunications providers too. Direct debit is very straightforward to switch to, simply speak to your insurer.

Combine your policies. Typically insurers who offer more than one type of insurance policy will offer a discount to customers who choose to take out more than one policy option with them. So if your insurer offers home as well as car insurance, then getting both policies from them could cost you less than two separate policies.

Many car insurance providers offer group car insurance products to certain partnered groups, such as universities, credit unions and credit card companies. If you are a member of one of their partnered associations, then you could be privy to a discount with your insurer. Look on your insurance company website for the names of their associated groups, or get in touch with them and ask for a list of companies so that you can check your eligibility.

By switching to a multiple vehicle insurance policy, car owners who own more than one automobile could cut their monthly insurance outgoings considerably. Insuring each of your vehicles individually can be costly and time consuming. Not only could grouping your vehicles together into one policy save you money, but it will also save you the hassle of having to renew several individual policies.

Change cars. It could be that you are looking for a change of car, and your next choice of vehicle may just reduce your car insurance payments. Smaller cars that travel at lower speeds are far cheaper to insure than giant gas guzzling 4x4s, so choosing a more compact model could actually save you money.

Use the internet. One of the best ways to save money on your vehicle insurance is to shop online. Many insurers offer a cheaper rate to online customers, and it is easy to find what you are looking for, even when it comes to specialist vehicle insurance needs. Without the internet, you can still search the high street, comparing as many insurers as possible so that you can be sure that you are getting a good deal.

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Article Submitted By: Alex McKoy1
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