Along with your other bills, which often seem to siphon money away from what you’d really like to spend it on, car insurance can be a real pain. It’s an annual hit on the wallet, which can be dangerous if it’s not properly budgeted for. Even so, it’s possible to save hundreds of pounds a year if you’re prepared to take your time finding the right quote and shop around. If you’re looking to renew your car insurance quote in the next few months, then take a read of this article for some of the top tips around.

Consider Third Party Fire and Theft
Fully comprehensive car insurance will cover you for damage incurred to your car under the terms of your policy. You will also normally have to pay excess as well, meaning that your insurance provider will only pay out if the bill for repairs is above a certain amount. That said, getting fully comprehensive insurance on a cheap car might not be worth it. Instead, you should consider Third Party Fire and Theft. This is the lowest level of insurance that you are allowed to have by law. Such a policy will not pay out for damage incurred to your car should you crash. It will, however, pay any legal fees that may arise, and cover you against damage caused by fire or theft. It's certainly worth considering if the car purchase was below £800.

Drive Less, Pay Less
It’s not only the environment that will benefit if you drive less: your wallet will too. When you drive less you use less fuel, and you also lower your risks of crashing. Insurance providers take this into account when you request a quote, and they’ll ask how far you’re going to drive in a year. The lower the number you give, the lower your quote is likely to be. However, if you give a very low number but drive over it during a year, you may void your insurance, so make sure you check the small print. The best answer is to get on your bike and drive less!

Don’t Pay in Installments
It’s so tempting not to pay all in one go and merely pay monthly. However, using this method will almost always prove more expensive in the long term. Monthly charges for car insurance are often charged at a 20% premium to a one off fee. Pay it all in one go, be done with it, and then you won’t have to deal with expensive APR payments on top of your quote.

Shop Around
Perhaps the most important thing in cutting car insurance costs is devoting your time to finding the policy that’s right for you. Searching on the Internet has made this much easier, but make sure you shop around thoroughly.

Start with a few price comparison websites, but also make sure you head to individual providers. As comparison websites don’t give comprehensive lists of quotes from all providers, this is a very important stage that is often overlooked. It’s possible to get better quotes from providers that aren’t listed on comparison websites, and for young drivers the savings can be very substantial.

Car insurance from Kwik Fit Insurance is worth a look if you’re beginning your search. Check their website for competitive car insurance quotes.