Trying to find ways to lower your auto insurance premiums can become a full-time hobby. If you want to save money and get the best discounts, you may try tweaking your policy’s deductibles, limits, and coverage types. You may also decide to pay in advance and take advantage of good driver and good student discounts.

Some people even believe that by buying their car insurance at a certain time of the year, they will receive the best discounts.

There may be some slight truth to that last statement. Winter tends to bring ice, snow, and sleet to many parts of the country, and there are simply more accidents at this time of year. O

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It is an offence for you or others to use your car without a level of car insurance that satisfies the Road Traffic Act whilst driving on the public highway. However, no such law applies whilst driving on private land.

The UK government introduced the original law back in 1930 which requires every person who uses a vehicle on the road to have at least third party vehicle insurance.

Third party only insurance is the lowest level car insurance cover available and is therefore often the most low cost. Third Party Insurance will only cover you for causing accidental damage to other people’s property and causing injury or death to other people. H

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With the cost of health care and medical treatment escalating, being protected with adequate health insurance is essential. A tough economy compels most individuals to save as much as possible on health insurance. However, in the quest to save money many end up being vulnerable to health insurance scams.

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You want your car to be in top condition, so you take care of it with routine maintenance: checking pressure in your tires, having your oil changed regularly, immediately servicing any problems.

This means your car will be far more reliable and will give you many years of good service. But what about your insurance premiums? You get a break on your price for being a good driver; what about for being a good car owner?

Unfortunately, insurance companies do not look directly at how well you maintain your vehicle.

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