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10 Insurance Saving Tips
By David Jones
Breakdown Insurance, The sector is dominated by the big names such as the AA and RAC. But being towed home if your car breaks down is just another form of insurance and there are lots of cheaper money saving alternatives.
Holiday Insurance, If you use annual holiday insurance when the renewal notice comes don't renew it until your next holiday is due and booked. If you are not planning on booking a holiday for a few months why pay for insurance you will not be using.
Holiday Insurance, A lot of holidaymakers still buy their holiday insurance from their holiday company. If you shop around online you will often find large monetary savings can be made on holiday insurance.
Mobile phone, Insuring a mobile phone can cost as much as £6 per month. Have you checked your household contents insurance? as many cover them. You could potentially save £72 each year with this money saving tip.
Household Insurance, Your mortgage provider will often try to push their offerings at you but shop around to make sure it is cost effective. This one reduced my bill and gave me savings of almost 45% in the past.
Car Insurance, Being loyal to your current insurer may be quicker and easier at renewal time, but shopping around could save you as much as £200 a year. Always look to get a minimum 3 quotes at renewal time and ideally let one of the cost comparison sites do the work for you. Also remember that some companies like Direct Line don't allow their offerings on comparison sites. (recent example of savings that can be made was with a policy that was up for renewal with the RAC, they quoted £235. Bit of research and`was quoted £190.35 for identical insurance policy elsewhere, they would not match it so bye bye RAC and hello Marks and Spencers and £44.64 saved!)
Household Insurance, Consider increasing the excess you pay as the higher the excess the less you should pay for your household insurance.
Household Insurance, Shop around as the price differences between different providers of home insurance can be quite startling.
Car Insurance, Sometimes car insurance companies will lower the premium if you add a second named driver with a good insurance record.
Car Insurance, When filling the car insurance quote in choose the highest excess that you feel is reasonable as the higher the excess the lower the car insurance premium.
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Contributor's Note
Hope this proved useful and lots more tips at http://www.carpetbagging.co.uk
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This intel first appeared on: http://www.carpetbagging.co.uk/insurance_money_saving_tips.html
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