Purchasing a car warranty is really no different from most other purchases that we make in life. If we want to make the right buying decision then it's important that we do our research and put ourselves in the best possible position to make an informed purchasing decision.

If you were buying a household item, such as a fridge freezer, then you'd probably think about what your requirements were and then shop around to see where you could purchase a fridge freezer that has the functionality that you require and that matches your budget.

You should take the same approach to buying car warranty. Unfortunately, many consumers seem to forget about getting the best value for money.

Too many car owners purchase a policy from the local car retailer. They seem to ignore the fact that they could purchase identical cover elsewhere at a lower rate.

For some reason, this buying decision is often viewed as being the easy option. In reality, it's the expensive option.

If you want to pay less for your car warranty then you need to decide what your requirements are. Consider what level of cover you are expecting and how much excess you would expect to pay.

Once you're clear on your requirements, you can shop around for the best priced policy that suits your needs.

Shopping around should involve doing an extensive set of comparisons. See how prices offered by car retailers compare with those from independent car warranty companies.

It's only through extensive research that you can expect to find the best policy for your needs.

You don't need to be paying over the odds for car warranty - with a little work, you could be saving yourself a lot of money.