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The football season may have come to an end in the UK but living within the same post code area of some of the top flight football stadiums can affect the cost of your car insurance premiums.

It must be every football dream to live with close proximity of their favoured football club and yet they probably never consider that the insurance for their vehicle may be increased due to living in an area which is considered by insurers to be a high risk area. The large London clubs such as Arsenal and Chelsea are among those areas which are deemed higher risk.

This is not to say that during the football season cars parked near any of the famous football grounds will necessarily be damaged or stolen, in all probability it is because the larger football stadiums are situated within or near by to large cities which are considered to be higher risk areas.

The majority of insurance companies use post codes to determine high risk areas, if you happen to live in one then the chances are you will pay higher premiums. Obviously the large towns and cities are the hardest hit, with London being the area in England which pays the highest premiums, Birmingham is second on the hot spot risk, whilst in Scotland Glasgow and Edinburgh residents are subjected to higher premiums.

It should be realised that not all insurance companies use post codes to determine the high risk area, as such it is well worth shopping around to find the best deals you can. You should also be aware that cheapest does not necessarily mean the best, with many of the smaller insurance companies only offering the very basic levels of protection on their cheap deals.

Shopping online is a great way to find some very competitive deals. It is quick, efficient and basically ‘free’. For those who do not have access to a pc or prefer not to use them, all of the major insurance companies have phone numbers, many of which are free phone numbers, as well as offering ‘ring back’ services for your convenience.

The is no mistaking the fact that the insurance market is highly competitive, with many new insurance companies springing up online on an almost daily basis. Whilst the may be nothing fundamentally wrong with anyone of these new insurers you should err on the side of caution should you find that they have no direct land-line phone numbers and/or are using a PO box address. Sadly the fraudsters are cashing in on the current recession, using people who are looking for the very cheapest deals and targeting them.

Comparing car insurance can be a great way of saving money, however before you part with your cash make sure you are getting the cover you need at a fair price. Using car insurance comparison web sites is one way of finding good deals, alternatively you could use an insurance broker who will also carry out researches on your behalf providing quotes from some of the leading insurance companies.Include Swinton when making Car Insurance Comparison as they offer extremely competitive deals