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I have been looking at ways to “cut costs” over the last few months. I understand what you are thinking; yes I am aware that I should have completed this task a few years ago. It is only when things become a bit tight that one starts searching for ways to save money – or perhaps that is just the way in which I do things!

I sought advice from a good friend of mine; a person that is far more financially educated than myself. He is by no means a cost reduction specialist however he certainly knows a lot more about these things than what I do. He advised me to compare the premiums that I was paying for things such as car insurance, buildings insurance, contents insurance, life assurance and pet insurance by using one of the popular insurance comparison websites.

Just before I continue I would like to make it clear that I am not attempting to sell the readers of this article here; I am merely relaying a personal experience that may also be of benefit to other people. I am actually involved with web promotion and also offering people stammering advice.

Returning now to my attempts to lower my personal expenditure; I took my friends advice and went about comparing the premiums that I was paying with the ones quoted on the comparison websites. So what was the end result of doing all of this? Well I managed to save over two hundred pounds on my monthly premiums. There was no way that I was going to pass up an opportunity like this therefore I duly switched to the cheaper providers.

I am fairly confident that I am not the only person who is trying to lower their personal overheads; if you are in a similar position then it may well be worth your while trying to do the same thing as what I have done – after all it worked for me.

Have you ever used an insurance comparison website? I would guess that the majority of the readers of this article will have answered yes to this question. I absolutely love them. Why do I think this? Because I have managed to save a lot of money by using these types of sites over the last couple of years. In this article I will be describing about the way in which I use them.

Just before I continue I would like to make it clear that I am not an insurance salesman or a financial adviser. I actually run stuttering therapy courses here in the UK and I am also involved in a company that offers an affordable DVD authoring service.

I am going to write about a recent example of when I managed to save seventy pounds on my home insurance. I received the renewal notice in the post at the start of June for my buildings and contents insurance. The amount that they were quoting me was slightly higher than last year but I suppose you have to accept this.

I knew what I was going to do, in any case, whatever the premium had shown; I was going to put in my relevant details into one or two of the insurance comparison websites. I duly did this and low and behold there were three companies who were able to beat my renewal premium. The cheapest quote was a fully sixty pounds cheaper for the same level of cover.

This was not exactly a surprise to me as I have had similar successes on numerous previous occasions. So did I go ahead and take up this lower quote? No. Why not? Well I decided to give my current insurer a chance to out bid them! I phoned them and said:

“I have received your home insurance renewal quote but have managed to obtain a better quote by using one of those comparison sites. It was substantially lower that the price that your company has quoted. I am phoning you as I would rather keep the insurance with your company as I have been very impressed with the level of customer service that I have received. Are you able to beat or possibly match their premium?”

Guess what? They did match it – how cool is that? I was rather impressed with myself, the result and of course the comparison website.

Now I have decided to instruct a firm of cost reduction in a quest to save even more money.