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Best research topics in literature do my ymca oneida ny buy research opiates no Martin Lewis is here now to share his top tips and any reckons that that there's a possibility you could save hundreds yeah and there's a really important reason for doing this the AAA has shown that car insurance has gone up by 16 percent over the last year massively more than inflation and they can't see a reason why that isn't going to stop so that's 82 quit on the typical car insurance policy you're gonna get a shot when you come to renewal and renewal this of course the greats in Auto renewal that is occasionally your existing car insurance company will be cheaper generally it isn't never just accept their price but there is an advantage one of the things to understand car insurance your price is fixed for a year by definition you get it for a year so that's the price that you pay so the earlier you do it in a price rise environment the lower the price you lock-in at so I'm actually making the point today this isn't just it's sure you shouldn't just be thinking mind renewals not for six months I'm not interested in what is gonna say I'll do it then everybody right now should be checking their price to see if you can do it cheaper whether you're at renewal or not because even if you're not at renewal you can't change so let's just go through three scenarios if you're at renewal now I'm gonna come on in a minute two tips of how to cut the cost if your renewal is within the next sixty days there are a number of insurers who when you get a quote that quote is locked in for 60 days Aviva LV nationwide so you get a quote now then your renewal comes in 60 days time if that quote you've got now is cheaper than your renewal quote or the other cheapest at the time you've locked in earlier so in a price rise environment that's good I'll give you an example dimma thing seven tweeted me to say renewal 521 pounds quote a month ago 319 pounds they honored it thank you very much for suggesting locking in so just getting a quote now even if you're not going to do it for two months can work if you're midway through your policy this is the score basically as long as you haven't claimed in the year you can cancel your existing policy get a pro rata refund for the rest of the year they'll normally charge you a fifty-pound admin fee you don't earn that year's no claims bonus but if you're saving a lot of money and you're locking in at a cheaper price it can be worth it again a tweet of someone I suggested do this who did it Muzzy Malone just have my car insurance saving 543 pounds by changing mid see huge thanks and of course they're then locked in so that price isn't going to go up now for a year and we're in a price rise environment this is why I'm saying everybody chat not everybody switch everybody check but there but there are other ways you can do so cost even third so this is how you then actually find the cheapest price the first thing I won't go through in detail combined comparision sites don't just use one they don't all sorts search the same companies comparison sites do a good job if you've got normal circumstances use two or three open them in multiple windows and put your details it simple as that then especially if you've got a clean record and you've not had any driving convictions and you've not had any accidents rather as well direct line and Aviva can be very competitive and they are not included by comparison sites they don't allow themselves to be on there so add them into and I get lots of people who say to me I wasn't gonna check them I just gonna use a site I checked those and they were cheaper for me and then of course check that the policies suitable then we get onto the clever stuff gone then so we're talking about look at car policy I've got nine tips for you let's see how many I can get okay are you ready right okay first of all multi car policies and quite simply if you've got more than one car in the house and you're all living together a multi car policy may be cheaper it also may be a lot more expensive comparison sites do not include multi car you have to do it manually the big one is Admiral multi car but Churchill direct line and privilege all give you discounts for multi car so if you've got more than one car check stand alone check them separately it takes work this you know he's gonna be about an hour to get a really good price and then check them by having them wrapped into one policy where you get a discount and if you're with a multi car policy don't assume that's cheapest check stand alone at each renewal because they tend to put the prices up as they go next one comprehensive may be cheaper than third party how's that work then okay well you would expect comprehensive to be more expensive because it's a more inclusion policy but here's the point insurance pricing is all about actuarial risk what type of risk you are and the mere fact you select comprehensive can change the risk category that they're assessing you to be and that can lower your price by more than the increase because it's a full of policy it doesn't always work but don't assume third parties cheapest next again counter logical adding an extra driver can cut your cost why because it's about risk averages if you're up here and there there you never put them as the first driver that would be fronting if it's your car your first driver that's illegal but you could add is really good for younger drivers add your mum dad your granny someone with a good record older drivers tend to be better than no sex discrimination so it's about age these days and that can bring bring the average down just a quote not always about parents either a woman got in touch me to say thanks for that I was charged 500 pounds I added my husband he's got to clean a record than meet my price came down to two nine eight Wow right tweet you job title right yeah I'm not saying call yourself the Prime Minister when you're a pole dancer right what I'm just saying is legitimate tweet I know you're thinking about that don't dwell too long it's not a nice it's not an image that works anyway so the point here is legitimate things you can change your job title to base so one man after I suggested this he was count local council worker he changed it to clerical civil servant exactly the same thing neither were exactly his job description it's a perfectly legitimate job change secretary and PA if you're both check which is cheaper in his case he dropped five hundred pounds by changing job descript oh my gosh that's huge a man absolutely it doesn't always work that and it's trial and error it takes a bit of work to get that you can't obviously not deceiving a never lie it has to be something that a reasonable person would legitimately say is your job title right right bullet point don't pay monthly don't pay monthly that's a loan it can be up to a ninety three percent interest rate if you have to if they check what the interest rate is the APR if you have to put it on the zero percent credit card is better or pay upfront is even better at all a black box like boxes that measure your driving or how you drive or when you drive especially for younger drivers can be cheap I wouldn't go to them in first instance but you can't get cheap price look at the black box insurers haggle yeah always haggle if you don't want to switch policy once you get a cheaper price elsewhere I got on the phone to insurers say they're offering me this will you match it they often will then you don't have to have the hassle of changing policies a broker if it's complicated if you've got non normal circumstances you've had lots of convictions you've got a different type of car then brokers tend to be better than comparison sites for cash and well what you go through on our website because we sort of rush you the last bits brillian do my examples of capstone projects in healthcare Kingsborough Community College, Manhattan Beach, Brooklyn.