While many of the factors which determine how much you pay on car insurance premiums such as your home address and gender are out of your control, there are steps that can be taken to ensure your premiums don’t rise unnecessarily – not being caught speeding or using your mobile behind the wheel being two of the most important.
While it was often the case that a driver’s first speeding offence would be ignored by their insurance provider, with no increase in the cost of their cover being noted as a result of being caught breaking the speed limit for the first time, this is no longer the case according to AA Insurance. The insurance provider has noted that the vast majority of insurers now increase premiums directly after a driver is hit with a speeding penalty, regardless of whether it’s their first offence.
Research shows that over the following three years while those points are on your licence, you will pay on average the equivalent to four times the £60 fine in increased insurance costs.
Bearing this in mind, the speed awareness course offered to first time speed offenders, at a cost of £90, could be a good investment as it shows your insurer that you’re a conscientious driver and you’ve taken responsible action to rectify your mistake and ensure it doesn’t happen again. His could lead to a reduction in the increase in your premiums.
While speaking or texting on a mobile phone while driving carries the same penalty as speeding, 3 points on the license and a £60 fine, insurers take a very dim view of those guilty of this offence as the act of using a phone is deliberate, whereas a driver could in theory, accidentally exceed the speed limit. As a result, insurers are more likely to increase premiums considerably for those caught using a mobile while driving, so to avoid being it with increased insurance costs, don’t use your mobile while driving.
LV= insurance company, formerly known as Liverpool Victoria, have announced they are scrapping the upper age limit of 86 years of age on their 
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Sainsbury’s has just introduced two home insurance packages which will not only allow consumers to save money on their policy, but also on their shopping and petrol when they shop at the supermarket chain.
Insurance provider, Direct Line, has unveiled plans to launch a January sale on its home insurance policies this week. So if you’re looking to re-evaluate your outgoings and streamline your spending ready for the New Year, Direct Line are offering some highly competitive deals on their home insurance packages to help you cut back your spending in 2012.
50% of drivers plan to downsize their vehicle to a more affordable model should the cost of motoring continue to rise as recently seen, that’s the results of a survey which sought to discover the feelings of UK drivers on the future of motoring.
According to the latest information compiled by the AA British Insurance Premium Index, the cost of an annual home insurance policy hit an all time high in the last three months until the end of September. Last winter’s bad weather and snowy conditions which prompted a high number of claims has been blamed in part of the rise in the cost of home cover.
The Co-operative is offering young drivers the chance to save themselves thousands of pounds by launching a Facebook competition where the first prize is free 
Driver’s are becoming safer behind the wheel, at least that’s the conclusion which can be drawn following the results of a recent survey conducted by Sainsbury’s 