In these tough economic times, getting a competent car insurance policy is very important. In fact, the need to save on money in the UK is driving car owners to twisted methods of extracting money from their car insurance companies.

Car owners are fronting other competent and experienced drivers on their car insurance policies. This means they pay lower car insurance premiums. However, when the car is stolen or in an accident, if it is established that there was no proper insurance in the name of the actual driver, the car insurance policy stands void.

Even more troubling is the number of people who are increasingly staging crashes in order to gain money. Not to mention a growing number of Crash for Cash scams. These fraudsters will deliberately crash into your car in a bid to extract money in form of personal injury and damage compensation.

The worsening of the economic crisis calls for you to hold on tightly to every penny that you earn. However this does not mean that you cheat your car insurance company by fronting on your car insurance policy. Here are a few things that you can do in order to avoid burgeoning car insurance policy rates:

Ask the right questions when buying car insurance

Asking questions is essential in any given field and for any kind of purchase. However, asking the right questions is what matters.

Mentioned below is a list of questions that you should ask yourself and the car insurer before you buy their car insurance policy.

- Are you carrying the right amount of car insurance cover? Answering this question might be difficult depending on a number of factors from the model of car you own to the kind of equipment it holds. If you own a car that is of an older model, or if your car is inexpensive, you can forgo the need for comprehensive insurance cover and collision charges. This could mean saving a lot of money every year.

- Is your car insurance policy up to date? If you have moved recently, or if you got married, ask your agent if you are eligible for a discount as the new location may be an area with less risk of theft, or you may have a garage at the property where you didn't before. You might just get a discount for things that may seem inconsequential to you.

- Can you get any other discounts? If you can get a discount in anyway, by virtue of owning car features such as anti lock breaks or a tracker device. Also if you are eligible to get a discount if you have been a loyal customer, if you own a home or if you pay in full.

There are a number of ways in which you can save much money when buying car insurance. The important part to remember is that asking your insurer about discounts and keeping yourself informed can do you more good than you think.

So before you buy car insurance find out about the various companies that offer car insurance and accordingly make your choice.