However, if you do accept the first quote you are given, whether you are an experienced driver or not, you are simply giving away your hard earned cash to your motor insurance company far too readily.



There are a huge amount of car insurance policies advertised online, in your local press, and a myriad of deals available from the larger retail supermarkets. Yes you want to save time and money, but if you target your requests for quotes properly, you could save hundreds in less than an hour online.

Many car insurance companies claim to offer policies for all types of drivers. Simply asking just any random insurance company for a quote, isn't going to save you money. If you are a new driver, a learner, a student, or a motorist with little driving history, you need to get a specialist number quotes.

So where do you find these companies?

You could start by using a search engine, asking a friend for a recommendation or phoning a company up for a quote, but before you do anything else -

Stop!

Decide what you want to achieve before you take any action.

Do you want a fancy car insurance policy with lots of extras? Policy add-ons that could cost you more are:

- Having a replacement courtesy car

- Insisting on a protected no claims bonus

- Extra Legal protection

- Taking fully comprehensive insurance if you don't need it

There are other services on offer from insurance companies, but if you do not really need it, why bother.

So do you want a really cheap price in the least amount of time instead?

Yes, if you simply want a really cheap price, you're in good company because that's what over eighty seven per cent of people said in a recent survey.

Follow this simple three step plan to reduce your car insurance premiums online:

1. Set aside just one hour to request your motor insurance quotes online.

2. Get four car insurance quotes (use three price comparison sites and one specialist insurer).

3. After you have received your quotations, telephone the insurance company with the cheapest quote and ask them to beat your best online quote (you don't need to tell them where you obtained the quote).

The above three steps sound almost too easy, but using price comparison sites really is the most efficient way to begin your search for low prices.

There are a number of price crunching web sites online. To provide you with a rate, they will ask you some basic information about yourself, what level of cover you need, and then request quotes from up to 300 different car insurance companies in a single search.

With car insurance premiums climbing higher each year, particularly for learner drivers, students and young drivers, make the insurers work for your business.

If you are in a statistically higher risk driver group, for motor insurance, the more money you will save. If you follow the above simple three step guide - you will save time and money in your search for car insurance cover.