The type of car you have can affect your insurance cost. If you're buying a new car, make a selection of cars you like and use the insurance calculator to see how the premium changes depending on the car. The group, value, engine size and even desirability are all factors that are taken into account.
Insurance premiums can be reduced if you have approved security systems like Thatcham fitted. Use the car insurance calculator to see what you would save if your car had such a system, work out how much it would cost to install it, and you can see if it’s worth doing.
If you don't have a driveway or garage, but have an option to rent somewhere safe to store your car, you can use the calculator to see how much money you would save if you did keep it in a garage.
Another way to reduce your insurance costs is to change the type of cover. You can enter different levels in the insurance calculator and see the cost difference. But, before you choose third party cover just because you expect it to be the cheapest – it's important to consider that you’ll only be covered for damage you cause to another party or their property, and your own car and good self won't be covered.
You can also play about with your voluntary excess on the calculator. The higher your excess the more your premium will reduce. There may also be a compulsory excess so just make sure you can afford the total excess should you need to make a claim.