You could save money on your car insurance by:
1 Choosing your car wisely Some cars are cheaper to insure than others.
2 Increasing your voluntary excess But make sure you can still afford to pay the combined compulsory and voluntary excess should you have an accident.
3 Improving your car’s security Whether that’s off-road parking or installing an approved car alarm.
4 Adding an experienced named driver to your policy But never put that person as the main driver if that isn’t the case. You could be guilty of fronting – a type of insurance fraud that can invalidate your policy, at the very least.
5 Avoiding modifications Upgrading your car by adding modifications could make it more attractive to thieves and your premium could rise accordingly.
6 Limiting your mileage Restricting the amount of time you’re on the road could reduce your risk of having an accident and therefore lower your premium.
7 Building up a no claims discount The more years you drive without making a claim on your car insurance, the greater your no claims discount could be.
8 Avoiding unnecessary optional extras Some insurance providers offer extras, such as breakdown cover. If you don’t need them, don’t add them to the policy.
9 Consider a telematics policy Black box insurance isn’t just for younger drivers. If you have a telematics policy and you drive well, whatever your age, you could lower the cost of your premium. What’s more, some telematics devices could even contact the emergency services if you have an accident.
Check out our Top tips for cheap car insurance for more information.