Ten tips to cut insurance costs
February 19, 2009
1) Addition of an older driver to the policy
In case you have a younger driver in the family, a parent can lend a help by adding yourself to their insurance policy as a named driver. For instance he will not be burden by having to pay huge premium, due to his young age. For instance if he is 20 years old without any previous claims and is liable to pay £1,371.85 for driving a Ford Focus, that premium could be cut to £1,089.30 by just adding his parent of 45-years to the same policy. However, putting the parents name in the policy is not encouraged and is against the laws. The main driver of the car should hold the policy.
2) Shop for cheaper car insurance
One should always compare the prices offered by various providers as the insurance premium varies with every provider. This way you can opt for cheaper car insurance. A person of 45 years with no claims and £250 excess could pay £391.05 through provider Admiral for a ford focus. This same driver can reduce the premium amount to £199.83 with LV=.
3) Adjustment of the excess
The driver can reduce the premium by the means of excess amount. That is a driver in two tips will have to pay £226.97 a year through Swiftcover with a £100 excess, and the same will be reduced to £171.87 with a £500 excess. One should consider how far he can afford in the event of accident.
4) Adding a partner
A male driver can reduce his premium by adding his 45 year old wife. He can get his premium of £205.86 through Swiftcover to £182.83.
5) Lower your mileage
If you are not a driver who has to drive a lot then limiting the mileage will be a best option to reduce the premium. That is a driver will have to pay a premium of £202.73 a year if he drives for 10,000 miles a year, whereas if a person agrees to drive 5,000 miles in a year he will have to pay only £194.58 a year.
6) Annual payment rather than monthly
Large house of market value of £170,000, a rebuild value of £90,000 and containing contents worth £35,000 will be very expensive to get insured, thus the home owner can slash premiums from £118.79 to £107.96 by paying annually with Only Insurance. He can pay it yearly rather than making monthly payments.
7) Shop for home insurance
You can quote for best home insurance in the comparison websites. Insurance on Milton Keynes home with a £100 excess costs £193.90 through Marks & Spencer but just £88.62 with home quote direct.
Choose an independent provider for PPI
Payment protection insurance or PPI comes as relief in unstable employment environment but it doesn’t mean the payment for all odds. To make it clear, a £10,000 loan over three years with Nationwide, one will have to pay £354.14 lender’s standard PPI which total up to £12,794.04. But the monthly payments for the loan and PPI combined could be reduced to a £322.28 for a total repayable of £11,602.08 by buying the PPI independently from the cheapest provider on our PPI comparison tool.
9) Give up smoking
A smoker will need to pay £432 annually for a term policy of £100,000 over 25 years and the same policy taken by a non smoker will need to pay £215.52, so quit smoking and pay low premium.
10) Buy travel insurance independently
When one purchases travel insurance as add on to your travel holiday package, then you will be benefited. If a four member family takes a two-week trip to Spain in February would pay £45.99 for single trip travel insurance through Thomas Cook compared to just £11.05 through the cheapest insurer.
Some Tips on how to get Cheap Used Cars
February 11, 2009
While looking for cheap used cars, it would be good that you follow the below mentioned tips so as to ensure that you make the best choice.
1. Check with used car dealers that provide wide number of used car quotes. The prices offered by them might be the highest, but you can get a comparison base for other options. You need to make sure that the information you get is unbiased by ensuring that you check the used car quotes from the most reputed dealerships.
2. Check for used car deals online. You can get a lot of options available on the internet. The best places to start with are Yahoo Auto, eBay motors and Carmax. You can find a lot of cheap used car options available in your area and thus you can get the best deals on them.
3. Make a comparison between the used car quotes that you have received and the cars on the street. It is likely that those will be low since it is not as much easier to sell cars on street. All you need to do is that ensure the working condition of the car is good and their prices are not higher than the used car quotes which you have already received.
4. Check with Auctions, which is one of the best places where you get the cheap used cars. You can get here those cars that have been impounded and unclaimed or pre- owned cars. It is from auctions that the unsold cars go to the scrap heap and thus you can get the best possible deals from here.
How to get cheap deals on rim or tyre for your automobiles
February 7, 2009
Everyone is in their hunt for getting some cheap deals on their rim and tyres for their automobiles. Some of them can be found easily by you.
Your local auto wrecker yard is one such place, where from you can get some really nice cheap deals whether on your rim or tyres. Most of the times, you can get the right choice of rim/tyre that best suits your automobiles.
The best thing is to check with your local auto yard, whether they have the right cheap rim or tyre that you are looking for. If they do have the stock, then the next thing is that you must be guaranteed by the service technician that the cheap rims meet the standards and also that they are not bent. This is to ensure that you get the best quality of cheap rims.
Another alternative, if your local yard doesn’t have stock of the required rim or tyre, is that you check with them whether they themselves can order and provide you the same from other auto yards by placing a call.
Custom wheel shops are another very good source of cheap rims and tyres. For those customers who are looking for modification or up gradation of their rims and tyres, such shops are trading in with cheaper ones. They usually take trade-ins which are of best quality thus making available the right cheap wheel rims.
There are also other sources for finding the same. This includes auto flea markets and swap meets. For ease of purchase, it is advisable that you bring cash. This again enhances your purchase, by enabling you to negotiate prices. Thus you can get the right ones at cheap prices.
It is good that you call up the custom rim shops and other auto body shops and leave your name and number with them. They might be able to provide you with cheap rims as they deal with wrecked automobiles. Wrecked automobiles don’t mean that their rims and tyres are in bad condition. Therefore, there are chances that such shops might be able to find good deals on cheap rims/tyres for your ride.
Local papers and classifieds of resale advertisements is good source of information. Hence, just have a look at them daily so that you will definitely find great deals regarding the cheap rims and tyres.
Get the ideal vacation packages including cheap air fare and car hire
February 3, 2009
When one goes on a vacation, budget control seems to be one thought throughout the trip. With the availability of this vacation packages, you can cut short on your expenses such on the travel. The amount thus saved can be used for shopping an uncompromising aspect while on holiday or on something else.
Earlier one had to fix an appointment with the local travel agent, wait for their convenient time, and then considered their suggestions and so on. But with the introduction of travel deals in your Internet the quest for travel destinations has become easier and better in all respects, both budget wise and convenient wise. There are no boundaries as to what you can experience and what nature has in store for you. These travel websites offers cheap deals thus making your every penny count.
Cheap travel deals, in the sense that the traveller can reduce their budgets on flight, car travel, stay, and other miscellaneous expenditures during their vacation. You will not have to spend time walking in a travel agency and skimming the brochures available with very little information, whereas online travel provides better guidance.
Whether it is international or domestic holidays you can search and various travel options and end up with a perfect holiday package. Advantages pertaining to these kinds of deals are that you can utilise them maximum and get the most out of your money spent on the holiday. At times, you can enjoy travel in major airlines without having to spend more money and can pre-book a car that will escort you from the time you land the airport. You can search the most suitable deal and go for them, without pressurising yourself in terms of budgets.
Make your holidays thrilling, exciting and comfortable, be satisfied and carry a smile with you even when you return to your home back.
