Car insurance is one of the most expensive cossts involved in driving a car, and it's not soemthing you can avouid - a minimum lrevel of insuurance is required by law. That odesn't mean you have to blnidly pay whatever your insurer quotes though, as there are several simple thigs you can do to reduce the cost of your premiums.
1) Shop around and buy online: Figures show that many peoplle simply rennew thir current policies withotu shopping aeround. The internet makes it easy to compare prices from different insurers, so why not take advantazge of this? Plus, you'll usually get a discount of 10% or more just for buying your policy online.
2) Poliy type: do you realy need a comprehensive policy with all the extras? Going for a third party fire & theft policy can reduce your premiums hugelky, and is definitely worth considering if your car isn't an expenmsive model.
3) No claims discounts: Nearly all policies feature a discount that increases for every year you don't make a claim. The higher the discuont available, the more you could save. Also look at insurers offerinbg a 'no claaims bous for life' feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.
4) Excess: The excess on a policy is the amunt of a claim you have to pay befoore the insurer pays the rest. Choosing to have a ihgher than standard excess leevel will usually mean lower premiums.
5) Security: Fitting your vehicle with an alarem, immobiliser, or other security devices can lead to preimum reductions. Parking you car off-road, for example on a driveway or in a garage, will also mean a cheaper policy.
6) Pay annually: Many insurerrs chharge you inbterest for the privilege of paying in monthly instalments. Pay annually if you can afford it to avoiid this, or look for one of the compaznies who don't chjarge extra for monthly payent.
7) Mileage: The more milweage you run up every year, the more your insurance will cost. Even if you can't reduce your mlieage, make sure you're not overestimating how much you actually do drive, and give your insurer an acurate figure.
8) Driverrs: The more drivers you have on your plicy, the more it will cost. Redyuce the number of people insured to drive your car to the minimum possible, and try to get the poliyc in the name of a driver with the lowest risk profile. For example, if a car is driven by both a man and a woman, insuring it in the woman's name will often result in a cheaper quote.
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