Shop Around – you’d be surprised just how much premiums can vary from one insurer to another often with seemingly no reason. There’s no worse feeling than knowing you could have got exactly the same level of insurance from another company for half the price. I’d recommend trying a few different comparison engines, maybe contact and independent broker and check those companies whose name you can remember. Be sure to note down what quote you got from there as it can quickly get pretty confusing.

Make Sure Covered for Everything – one risk when looking for insurance quotes online is you can end up not being covered for everything you’d like. Whether it’s driving abroad or being able to drive other cars, it’s worth double checking the small print, ringing up to check and going through the policy with a fine tooth comb when you paper copy arrives.

Take New Quote to Old Insurer – If you have a good quote from a new insurer before you jump ship if you were happy with your quality of service with the old company it’s worth going back to them with the new better quote to see if they can match it. More often than not they will especially if they are a major insurer and you’ve been a hassle free client.

Model Owners Club – most cars have clubs for their owners. Often these clubs have special deals with insurers that can save you lots of money. Have a quick look round you’d be surprised about what cars have their own special owners clubs. You might have to spend a few quid to become a member of the club but it might end up saving you much more.

Not All Comparison Engines are Comprehensive – lots of the comparison engines are spending a lot of money advertising their services but be warned they don’t include all the insurance companies. Just because you find the cheapest premium on their site doesn’t mean there aren’t better deals out there.

How stable are the Insurers – you should never underestimate the importance of the financial stability of the insurance company. You don’t want them going broke on you. This is more of a risk if you are going with a smaller insurer but its worth thinking about even if you are going for a well known brand name.

Search for Complaints – it’s important that you get good customer service, ask your friends who they are insured with and whether they have had good customer service. Another top tip is to search the internet with the insurers name with words like complaints, rubbish, problems etc.

Double Check Your No Claims – sometimes is easy to underestimate your no claims. Double check your policy to see how many you have. It can have a huge impact on the amount of money you have to pay. If you’ve earned them you should be able to take full advantage of them.

Tell them About Your Garage – where you store your car can have a real discernable impact on how much your car insurance costs. Any good insurance broker will check if you store it in your garage or not. The safer the car is the cheaper your insurance will be. Don’t lie though, the last thing you want is to have your car stolen and find you were covered because of a porky pie.

Hugo Reyes writes for a leading Insurance Job Search Website Insurancejobs.co.uk

As one of the UK's top job search websites they have hundreds of up to date vacancies for all kinds of positions within the insurance industry including those looking for Insurance Broker Jobs