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Buy your insurance through a site of reimbursement. It's special sites that list vendors products retailers and paid if you click on through them. More importantly, they then give all or part of this money for you. For example, a visit to the site Web de Quidco.com shows more supply ￡ 45 rehabilitation home insurance money while Admiral will pay ￡ 30 for a new policy car insurance. But don't forget to read the small print, only real transactions completed entirely online pay. Visit www.quidco.com for more details.

Never just accept the renewal quote you are offered to home or engine cover. According to moneysupermarket.com, by shopping you can save an average of ￡ 237 on automobile insurance only. This is always get quotes from competing insurers and with several available comparison sites it take too much time.

Be aware that the cheapest policy may not be the most appropriate. Don't forget to look at the level of coverage, for example. Some insurers, including direct dial and Norwich Union, do not appear on comparison sites, you have to contact them directly for a quote.

Many providers offer discounts to purchase online, as their overhead is reduced. An example of these economies, just practical periods such as these, by choosing a direct line home insurance you can save on 25pc simply by going online.

If you pay your insurance that all in one go rather than monthly, you pay less.

Do you not tempted now pay for all type insurance every month, just because it appears to be cheaper or easier to manage. It is not that you have to pay interest, which can be as high as 24pc per year.

If you are less likely to ask you will pay less. For example, anyone with access to a garage must use, as new this could result in a discount of up to 15pc - especially if you live in an area where the car theft is rampant.

To reduce insurance House, secure your home by adjusting the locks on the doors and Windows, which can be a relatively cheap and easy way to reduce premiums. Another tip is to subscribe to your local neighbourhood watch scheme. If you live in an area where there is a high incidence of burglary, join a regime could hit on 5MC out bonuses.

Most policies include an excessive load voluntary or compulsory (the amount you pay before that the insurer must cough in the case of an application). If you're ready to increase this slightly, you can get a reduced premium.

There may be significant deficiencies in the home insurance policy to cover the pipes burst - some do not cover provide if the property is left empty or non-furnished at any time, while some offer no coverage at all.

Remember to cover third party, fire and vol. comprehensive insurance is not required for less expensive cars - certainly not for those with a value of ￡ 2,000 or less. With global coverage can also be found foot the Bill for accidental damage or burglary, instead of losing a non-réclamations bonus. But don't forget that coverage of the third party may be more expensive because the insurer may assume that you care less about your car and are therefore more likely to have an accident.

If you use your car only socially or routes, make sure that you are covered for these uses. If you are also covered for professional use, your premium will be higher.

Low mileage orders premiums lower because the cars are less often on the road are less likely to be involved in an accident. Insurance-AA believes the agreeing a maximum of 12,000 miles on the odometer reading annual would win a 5MC discount 10pc. A ceiling of 5,000 miles can save even more. This is particularly useful for households with more than a car.

Do not modify your car anyway, as this can add to your insurance costs.

Lana Clements, spokesperson and insurance, said: "" add to the value of your car rims alloy, wings or stereos expensive can be tempting, but can increase the chances of the car is stolen and conditioned your premiums."

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