Christmas is round the corner and everybody’s dear old Santa is very busy as expected and this time not only with distributing gifts and goodies but keeping an eye on car break-ins as well. Criminals get active at this time of the year and wait for an opportunity to steal cars and increase their stolen car collections at the end of the year.
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Do you think no-claims bonus doesn’t benefit much? Then you are wrong. You can save as much as 75% on your yearly car insurance premium, if you are able to show a good record of no-claims bonus. Most of the drivers are unaware that no-claims bonus can have a great effect on the Car Insurance premium and therefore they hardly take any care to protect their cars from accidents and damages.
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If you are driving in the UK, you must have a valid insurance without which you would end up paying penalties, according to the UK laws. You can be either asked to pay up for the penalties or even have your driving privileges cancelled. Moreover, if you are not insured and end up with an accident thereby causing damage to property or human lives, you have to pay from your pocket for damages decided by the court.
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Different makes of cars make lives easier for people but at the same time people face problems in maintenance especially with insurance payments. Car owners are always on the lookout for several ways to cut their premiums and opt for cheap insurance for their cars. Here is a list of five easy ways of lowering your car insurance premiums:

1. Shop for Cheap Insurance - The first important thing that owners can do is to shop around for cheap insurance. Many car owners opt for a 6-month policy so that they can choose and switch companies for other policies. Search for cheap insurances through the internet or from references from friends and family. Choose a Car Insurance that not only suits your way of living but your pocket as well.

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All car owners who have valid car insurance can earn bonus if you have not made any claims for a number of years. This is known as No Claims Bonus. For example, if you have not used your car insurance for 3 years you can get 3 years No Claims Bonus. This is one of the largest factors influencing the premiums for car insurance.

Every year you pass without making any claims, you are entitled to your No Claims Bonus. The biggest advantage that you gain by adding on the number of number of No Claims Bonuses is that of cheaper premium rates. Car Insurance Companies see that you have a good record of not making any accident claims and therefore chances of a reduced premium increases.
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The newly elect US President Barack Obama supports the US congressional demands of automakers offering a game plan for survival before approval of lawmakers of a taxpayer sponsored bailout. David Axelord, Obama’s chosen man for White House adviser said that all the citizens have a stake in the growth of the auto industry and in order to continue the prosperity retooling and rationalization is necessary.

Obama has supported Detroit by providing $50 billion as federal aid to help Big Three automakers face the current economic situation and help them in manufacturing fuel-efficient Cars which grew in demand after the rise in gasoline prices.
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Customers have been reeling under economic crisis and to ease their condition, a new Car Insurance has been launched by RIAS that enables customers to have a compensation for the extra payment in case of an accident at the rate of 25 pence per week.

This additional financial protection allows car users to have a stable financial position in the event of an accident. The uniqueness of the product lies on the fact that policyholders are assured of the extra sum even if they are held responsible for the accident.
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It is a much desired wish to all motorists to seek the cheapest car insurance cover for their vehicle, yet experts warn that it is not the best thing to do as it could prove false economy.

The motoring organisation has issued warning to drivers seeking cheap car insurance and adds that such insurance policies make profit by not offering breakdown coverage. The AA says that if your car breaks down which do not have a breakdown cover, then you have to pay hefty amounts for its repair.

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Insurance companies have issued stern warning to all drivers in the UK who drink and drive. Either motorists stop driving when they are under the influence of alcohol or face high premiums and in some cases can be denied insurance altogether. Drunken driving will force you to pay more premiums that you would pay otherwise. According to a latest study, leading insurance agencies like Budget, HSBC, Kwik Fit, and Post Office Insurance companies have taken steps to increase premiums by almost 82% if the motorist has a past record of drunken driving. In some instances, the premiums in such cases have been double than under normal circumstances. Insurance companies like HSBC Insurance have warned UK motorists not to cross the limit especially when the festive Christmas season is round the corner. It is not justified to be drunk and be behind the wheels risking thousands of lives on the streets. As many as 460 people died last year in the UK because of drunken driving.

Latest research has confirmed that more and more motorists have been victims of accidents with the number of Breakdown Insurance on the rise. Almost 80 percent of motorists leave their valuables in their cars which give rise to break-ins. Valuables which are mostly left behind in the cars include wallets, mobile phones and some other items which together make a worth about £380. Motor insurance companies have urged motorists to be very careful as most break-ins are by thieves looking for such opportunities where motorists have left behind valuables inside the car without hiding them. If valuables are at all left behind, then need to be covered and not visible from outside. Motorists should also ensure that the insurance covers all valuables inside the car as well. A motor insurance company removed “unfair admin charges” which implies that customers need not pay for changing address or cover levers.