Few of us think to shop around for a better deal on our car insurance renewal quote. However, there are some easy ways to make savings. Spend 10-15 minutes finding out how to get the best deal. In a competitive market, providers are always looking to offer new and better deals, and increasingly there are specialist policies available for low-risk groups such as over 50 or older drivers, female drivers, 4 years or more claim-free driving etc.





Renewing Your Car Insurance
If you're about to renew your car insurance, take 10 minutes to check out your options. Before you begin:

• Dig out your documents
• If you've received a reminder to renew your car insurance, have it handy. It's worth having your motor insurance certificate and your insurance policy notes document ready, too.
• You'll also need other information handy, such as when you passed your test; any driving convictions you may have had in the last five years, details of any registered disabilities, and details of any modifications you've recently made to your car.

•  Courtesy car (when you car is being repaired)
•  Protected no-claims bonus - Roadside assistance
•  Free legal advice
• The amount of excess on the policy Make a note of the amount your insurer is quoting to renew your policy too .

Decide what type of cover you want
Don't automatically choose the same policy you had before, or go straight for Comprehensive cover. You can save up to a third on quotes if you choose third-party, fire and theft or third-party-only policies. If your car is not worth a great deal, you may want to consider these cheaper options.

Decide on your must-have car insurance features
All car insurance policies cover the same basic ground. They pay out when another driver claims against you for damage you cause to them or their car. Where many policies (even very similarly-priced ones) can differ is in the additional features they offer. To help you shortlist quotes, you need to decide which of these features, if any, are must-haves. For instance, if you can't do without a car for even a few days because you need it for work, you might only consider policies offering a courtesy car for when yours is being repaired. Or, if you car is old and sometimes breaks down, you may favour policies offering free roadside assistance.

Compare car insurance quotes
To start filtering the quotes you receive, start by discarding quotes that:

• Are much more expensive than your renewal quote say, by more than 10% - Do not come with your must-have features
• Have a high premium for paying by instalments (if you want to pay over a year or six months) Now you have a shortlist of quotes and companies to compare.
• Factor in your own experience of companies and policies, and ask family, friends and colleagues for their thoughts. A personal recommendation can go a long way.