But insurance is expensive isn’t it?
It doesn’t have to be. Although there are some elements affecting insurance that you can’t change, such as your age, where you live or your claims history, there are ways to reduce the cost of your car insurance:
Your choice of car – as a general rule, the more powerful, modified and desirable your car is, the higher your insurance will be.
Keep your car secure – in a locked garage or parked on a drive is ideal, but if that’s not possible invest in an approved security system or immobiliser. You may need to speak with your insurance provider to get the savings reflected in your premium.
Pay your premium up front – if you’re able to do this, it could save you any additional interest charges for paying monthly.
Increase your voluntary excess – but make sure you can realistically afford to pay both the compulsory and the voluntary excess if you do make a claim.
Think about your optional extras – choose wisely and only opt for what you might need. European cover might sound tempting but if your holidays are more about Bognor than Biarritz, leave it off the policy.