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You can always add someone for a few days when they really need to drive the car. A long no-claims bonus is the single best way of cutting car insurance costs, so protect it. This may increase the premium by a few pounds, but this fades into insignificance against the potential loss of a 90 per cent discount on a premium of several hundred pounds. But the definition of a protected no-claims bonus can vary widely between insurers.
Though accidents caused by another driver will normally have no impact on such a bonus, those caused by the insured could. The key is to always check the policy carefully. Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered. Beware being tempted to allow it to rise too high, however, especially if you have a lower value car.
Fitting an approved alarm , immobiliser or tracking device can attract a discount of around 5 per cent. Many newer cars will come with these as standard, so make sure you check if you have them and then declare them. Don't forget to haggle! The car insurance market is notoriously competitive.
Once you've been on This Is Money's comparison and found your cheapest price below , get on the phone and start bargaining! An alternative is to borrow the money on a 0 per cent purchase credit card and then clear it within a year. Try for a discount by insuring two or more vehicles between friends or family members with the same firm. Reduced mileage equates to a greater saving.
But you must be honest about your annual mileage, as inaccuracy will jeopardise any claim. Check your use cover - if you don't use your car to drive to work or for business - both things that increase your premium - you may be able to get a cheaper rate. Adding a young, inexperienced driver to your policy can be a false economy, especially if you have a large or higher powered vehicle. The premium will still be affected by the youngest driver and he or she may not have a no-claims bonus.
Insurers have also been cracking down on fronting, where parents insure cars in their name for children to cut costs, so make sure if you are the policyholder on a car driven by your children that you are actually its main driver, or that you declare otherwise. If you decide to change your car, check with your insurer if the model will have a significant effect on the premium. Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favour.
It will also probably save you on petrol too! Be aware that Insurers will try to include administration fees for changes to a policy mid-term. However, you can ask for the fee to be waived if it is a minor adaptation, such as changing to a personalised registration number.
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If your garage is full of junk, clear it out and use it for your car. Insurers like cars kept in garages overnight and this can dramatically cut your premium.
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Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your premium. Blackbox policies, where the insurer installs a system in your car to monitor your driving, reward those who drive carefully. Officially called telematics, these check your speed, how aggressive you accelerate and brake and how cautiously you drive, and also whether you are on the road at perceived dangerous times - i. They can cut premiums substantially once you start proving you are a good driver.
The biggest win is for those whose premiums are high, especially young drivers. Some insurers even offer an up front discount if you take out a telematics policy.
How you could get a cheaper auto insurance premium.
The higher the excess, the cheaper your premiums will be. Legal cover - here is how to work out if you need it. See the full list of the car insurance extras that could be worth adding to your policy. Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.
One of the best ways to get personalised car insurance quotes, is to use a car insurance comparison. Usage : This usually includes whether you use your car for general commuting, socialising and business purposes. You also need to say how many miles you travel in a year. Your licence : The kind of licence you have can affect your insurance. This is also where you can add any other driving qualifications you may have. Lower your risk : You can reduce risk by fitting your car with an approved alarm, or parking your car in a garage or driveway.
These are popular cars that are cheaper to repair or replace. Lower the price : You can get a better deal if you pay your insurance premium annually, rather than monthly instalments. Shop around : Comparing car insurance quotes will help you find the best deal possible.
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How to get cheap car insurance: Ten tips to find the best quotes
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