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Car Insurance Tips

• Always shop around for car insurance.  Rates can differ enormously between car insurance companies so when your policy is up for renewal, make sure you are getting the best rate.
• Don't be afraid to bargain. If you find a better deal, let your insurer know about it, they may be able to match the premium.  As an existing customer, you are very valuable to them, so make them work for your business!
• Consider an excess. If you are willing to pay a certain amount towards the repair costs of your car, known as an excess, your premium will be lower.  However, only choose an excess that you would be able to afford tomorrow, if you should be involved in an accident.    
• Check for discounts. Lots of insurance companies offer no-claims bonuses because they prefer to insure people with a history of careful driving.  Insurers may also target certain groups, such as women or older drivers, and will offer more competitive rates if you fit their criteria. Therefore, it really pays to research the providers in the market before committing yourself.
• When you get new coverage, be sure to cancel your old policy right away. Inform your old insurer in writing or over the phone when you get new coverage.  Check in the terms and conditions of your existing policy for details of the cancellation notice period.  If you must give a month's warning, you'll need to ensure your new cover starts at the end of the notice period to avoid paying two premiums for a month.
• Mind the gap. Do not cancel until your new coverage is in place because neither insurer will cover you if you are involved in an accident when you are officially between policies.