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According to the AA British insurance premium index during the quarter ending in June 2010, premiums went up 11.5 per cent for an average annual comprehensive car policy.

So, with Hallowe’en just around the corner, here are some handy tricks to get yourself a treat of a car insurance quote.

Get secured

Buying and fitting security devices, like alarms and steering wheel locks can help to lower your premiums, if they are approved by your provider.

The Disklok security device is Thatcham-approved and is the only steering wheel lock that covers the entire circumference and face of the wheel, which means that car thieves won’t be able to cut through the steering wheel in order to remove it, as with conventional steering wheel locks.

You can expect to pay between £60 and £80 for a Disklok, but the device serves as an effective visual deterrent, a practical piece of security kit and, as it is Thatcham-approved, is recognised by the insurance industry.

You might also consider fitting an approved alarm and immobiliser, such as a Thatcham 1 or Thatcham 2, as all improvements to security should help to lower your car insurance costs.

Avoid the monthly-payment charges

Many of us choose to pay our policy off in monthly instalments, rather than have our wallets take the full-hit when we first take out the policy. This means, however, that the broker charges us an extra fee for that privilege.

You can avoid this by taking out a credit card with an introductory interest-free offer and putting the full amount on the card – but make sure you check the conditions of the card, and be aware that for most cards, if you are unable to pay the balance off by the end of the month, you’ll likely be facing monthly interest payments, which could negate the saving you made in the first place.

Do your homework

The web has empowered us to make sure we are getting the cheapest deals available. Using price-comparison websites like GoCompare Compare the Market and Money Supermarket allow you to see what the brokers are offering without having to repeatedly give your details over the phone.

Be aware, however, that not all insurers can be found on these sites. Direct Line and Aviva might be able to give you the best deal, but they won’t be found on any of the price-comparison sites.

Stay in touch

We tend to think of speaking to our insurers as an annual chore, but you might be able to save money by speaking to them in-between.

There are a number of factors which, should they change, have an effect on your premium. Of course if you move home, you will need to notify your insurer. Not only to make sure all correspondence reaches you at your new address, but because the area in which you live has a bearing on your premium.

Where the vehicle is kept overnight might also have changed, if it is more secure you could save money. Also, you may have moved closer to your place of work, potentially lowering your mileage – and potentially, your premium.

Interestingly, if you get married, your premium may also decrease as married men tend to attract lower premiums than single men, so share the good news!

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The high level of unemployment and focus research on labor problems in a number of countries to deliver three economists won the Nobel Economic Affairs 2010. The award was given to three economists, two citizens of the United States (U.S.) and an economist, the citizen of England-Ciprus. That award announced the Royal Swedish Academy of Sciences (RSAS) in Stockholm, Sweden, yesterday. The three characters that are considered instrumental in the economic field, each Peter Diamond of the Massachusetts Institute of Technology in Cambridge, Massachusetts; Dale Mortensen of Northwestern University in Evanston, Illinois, and Christopher Pissarides of the London School of Economics and Political Sciences. All three received the Nobel prize for research that is called “search frictions” which focused attention on economic policies that affect the level of unemployment.

Top economist third achievement was entitled to a prize money worth 10 million Swedish crowns ($ 1, 5 million). “Their theory helps us understand the ways in which unemployment, job vacancies, and wages are influenced by regulatory and economic policy,” RSAS said in a statement quoted by CNNkemarin. According to economists RSAS third job includes analyzing the buying and selling process and how it affects jobs and wages on economic policy. RSAS Committee who considered the study said, what do three economists that enhance understanding of the “search” market-related friction that had existed.

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China’s car manufacturers association estimates, total auto sales in the City of Panda that this year could reach number 17 million units, up 25% from last year’s sales achievement of 13.6 million units. Sales of that will strengthen China as the world’s largest automotive market, overtaking the United States (U.S.). Chinese car sales growth in recent years continued to show an increasing trend. When this year’s predicted growth reached 25%, then from 2008 to 2009 China’s even posted a growth of 46%. Xinhua news agency noted, despite the decreased level of sales this year are still high. However, high levels of growth in car sales has also sparked fears that some parties, primarily related to increasing air pollution and urbanization.

“Growth in the automotive sector should be set only one half times the growth in gross domestic product (GDP),” said the official in charge of resource development at the State Information Centre, Xu Changming. According to Xinhua, China’s auto production even if the future does not rise more than 10% per year, total sales continue to surpass 40 million units per year before 2020, and even the fantastic figure could reach 75 million units in 2030. The signs in that direction had already started to appear. In Beijing, the number of cars registered in the city have increased to 1900 units per day.

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