Get low cost car insurance

If you own a car, the law requires you to have motor insurance in place. The simplest and most straightforward way to find cheap car insurance deals is to shop around.

Many car insurance firms rely on the inertia of their customers to generate significant profits, so do not let them! A survey by consumer champion Which? revealed 60% of people who shopped around saved an impressive £58 on average on their renewal quote.

However, despite the lower quotes on offer for those prepared to look, Which? suggest that nearly a third of people stick with their current provider rather than going elsewhere for a better deal.

Internet comparison sites can save you a great deal of time, but it is definitely worth approaching some insurance providers directly, particularly those such as Direct Line and Aviva who don't tend to promote themselves through the comparision engines.

Your objective should be to locate the cheapest car insurance quote possible for the appropriate level of cover you require by firstly using comparison sites to narrow your search down, then pursuing others who are not listed, before getting in touch with insurers direct to see if they can do even better.

Average premiums rocket

Motoring has never been cheap, but with the squeeze on family incomes following the recession, rapidly rising fuel costs and car insurance premiums reaching unprecedented highs, the cost of driving has never been more expensive.

According to the AA, car insurance premiums have rocketed by a record 40% during the past year with all indications suggesting this upward curve could continue at a lightening pace.

The average cost of a comprehensive policy, based on the three cheapest quotes available, reached a whopping £892 at the end of March 2011, 40% more than a year earlier and the biggest annual rise recorded by the AA since it started the index back in 1994.

Younger drivers continue to suffer the greatest, with the cost of comprehensive cover for drivers aged between 17 and 22 jumping by a massive 64% to average £2,431, rising to £3,052 for young men.

According to the AA, high levels of fraud and expensive personal injury claims are the main contributing causes to the spiralling cost of car insurance.

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