January budget blues

I’ve been away for a while on a kind of blogging hiatus. I have moved house twice, started a new job and begun a whole new adventure. Six months in and I have just about settled into my new home in a new area, met some great people and learned a lot. I am still making bread, baking cakes and perpetually hunting for bargains. This is my first post of 2013 – Happy New Year!

And with a new year comes plenty of new (new year, new you as they say) but it also comes with plenty of impending payments – car tax, car insurance and rent among them. Who else has a mild dislike for January, the longest month of all?

While shopping around for car insurance on the well-known comparison websites, including comparethemarket.com, Go Compare and Money Supermarket, I found that Confused.com actually offers the best deals. Policies from the same insurance providers were significantly cheaper on Confused.com so my advice would be to have a look there if you too are faced with the financially daunting task of renewing your cover.

My top tips for finding a good deal?

  1. Shop around – don’t just go with the first quote you receive. It may take a bit of time, but it may save you up to £100 a year.
  2. Ask your current provider for their renewal price – and see if there are any loyalty discounts available. If you don’t ask you’ll never know.
  3. Try adding another driver to your policy – This worked for me and brought the price down a little bit (and also means I am not lumbered with all of the driving when travelling long distances).
  4. If you’re a Tesco Clubcard holder, try them for car insurance and see how much discount you can get. Similar loyalty cards may have similar offers with other linked insurance companies.
  5. Don’t go Third Party Fire and Theft because you think it will be cheaper. Check the Fully Comprehensive rates as these can often be the lower rate and will benefit you more if anything goes wrong.
  6. Don’t be pushed into taking out a policy that is not right for you. Stand your ground and go for a type of cover that suits your needs and your budget.

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