In the UK it is law that you have current car insurance if you want to drive on the public roads. So, why pay more for your car insurance if you don't have to. After all the cash is better off in your pocket instead of theirs.

Here are 10 tips to help you get cheaper car insurance. If you can implement some or all of these, you will possibly save some money on your car insurance.

1. Shop around every year for a better deal

To get the best deal on your car insurance, you need to compare insurance providers, preferably every year. With the use of the net it is not a difficult task. Different companies have special offers at different times so you might be able to switch to a provider that has a current deal on when you are looking to change. There is no charge for you to change insurers, and companies often provide new customers with extra bonuses.

2. What bolt on "Goodies" are included?

Many insurance policies are now very simple and you can add extra services and features at an additional cost. Do you need all of the extras that are supplied?

3. Courtesy Cars

You need to find out if a courtesy car is included in your insurance policy. When is the courtesy car supplied? Does your car need to be written off or only damaged? Do you have to pay additional insurance on the courtesy car? If this add on is not needed then remove it from your policy and save.

4. Legal Protection insurance

This insurance is to cover you if you are involved in an accident that is not your fault. It lets you claim loss of income from the insured driver who is at fault. The insurance pays for the legal fees of the court case. All of these claims are assessed on the possibility of winning the case. If the insurers do not think you will win, they will not instruct the lawyers to have a go and hope for the best.

5. Roadside Breakdown Assistance

Does your insurance policy include roadside assistance? If you already are a member of a breakdown service, then there is no need to be paying twice. Often when you buy a new car, this service is included for the first 2 years.

6. How do you pay for you car insurance

Paying your bills on a monthly basis is much easier on your cash flow, however some insurance companies charge you extra for this pleasure. Check with your insurer to see if they charge a premium for this service. Work out how much the difference is, as you might still be saving money over the year with a slightly increased premium if you have the use of the money rather than the insurance company.

7. How much is your excess?

Your insurance policy excess is the amount of money you are willing to pay at the beginning of a car insurance claim. The higher your excess, the lower your premium will be. Check your insurance policy as you may have different excesses for different types of damage or for different drivers.

8. Personal Belongings

Does the insurance policy cover any of your personal items in the car or replacing the locks after the event that you loose your vehicle keys? This bolt on can be very important if you often carry expensive equipment like computers in your car. You might have to itemise some high value items with the insurer before they are covered, so check first.

9. Authorised repairers

Often insurers will allow you to get your vehicle fixed straight away by using one of their authorised repairers. This will speed up the process of getting your vehicle fixed. If you have to get three quotes from three different repairers you will spend time running around and organising paper work. This will result in a delay in getting your car fixed and back on the road.

10. Do you have your house insurance with the same provider?

If you have your vehicle insurance and house insurance with the same insurer, they will often give you a bigger discount on your premiums. This can also be an advantage as you only have to remember one set of details in the event of an accident.

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