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How long have you had car insurance with the same company?

If the answer is more than a year, then you could be paying well over the odds for your car insurance.

Change your policy TODAY – you don’t have to wait to re-new.

Many companies will cancel your policy with a refund and although in some instances you may have to pay a small penalty (with some insurers you won’t), this could be a lot less than what you save.

Ten steps 

So if you're feeling the pinch of the credit crunch and you need cover for less, here's Parker's ten steps to save on insurance...

			Clever comparison Don't just shop around; shop around smartly
			Buying new? See what the dealer can offer When it pays to take advantage of incentives
			Don’t forget the basics Why honesty really could be the best policy
			Play the job title name game Describe your job differently to save
			Add a named driver… or two Why an extra person can mean cheaper cover
			Added extras mean added cost Be careful of policy add-ons
			Paying monthly? Don’t get caught out You could end up paying more than you should
			Go direct to the insurer’s site to save more Cutting out the middle man cuts costs
			Choose the right time to phone Time your call to and pocket big rewards
			Be savvy when it comes to payment How to squeeze the last penny from your insurance