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Want to save big? We tell you how to find cheapest insurace right here

Nobody likes paying for insurance, but these days it's an unfortunate necessity. Whether you're in the market for home or motor insurance we've got you covered with our guide to the cheapest insurace online.

We'll start by taking a look at car insurance. As you know, the law dictates that you must have your car insured in order to legally drive it on UK roads. With upwards of 26,000,000 cars now registered in the United Kingdom, that's a huge market for insurance companies to tap into.

The trick with finding the best insurance policy for your needs is to be able to cut through the spin and figure out exactly what's offered from each company, and compare each quote against those from competitors.

One of the few good things about car insurance is the fact that it's an annual thing, meaning you are never tied to the same company year after year. If someone gives you an offer that beats your current one, there's absolutely nothing to stop you from switching over.

All insurance companies will provide you with free quotes based on the type of car you drive, your driving experience, your license type and your no claims bonus accumulated to date. If you receive a quote but are unsure as to the extent of the coverage, just ask. It's the job of the sales representative to answer any questions you may have.

On the home insurance front, it's a sad fact that the number of home insurance claims has been rapidly rising these past few years. With the increase in burglaries and accidental damage, it's very important that you insure your home and its contents correctly.

Home insurance policies can vary wildly, offering cover ranging from fire cover to theft and third party liability damage. Some also offer coverage against burst pipes, water damage or flooding. It's very important if you live in a flood prone area to ensure that you are covered in the event of a catastrophe.

Like car insurance, home insurance companies will offer you free quotes simply by giving them a call or checking out their website and filling out the online forms.

Remember, whether it's home or car insurance you're looking for, it's a buyer's market so be sure to take advantage of that fact and don't get suckered in to companies promising to give you the cheapest cover just because they say so! Check everything out before signing on the dotted line.

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