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Top tips on how to lower your car insurance

With insurance prices set to rise for most drivers this year, we decided to enlighten our readers with a few tips to ensure the best deals can still be uncovered.

Compare insurers

Shopping around is the most obvious way of finding cheaper car insurance and reducing your bills, but it's surprising how few drivers bother to do it. Spend time on comparison sites to be confident that every insurance provider has been quoted.

Increase your excess and reduce your mileage

Increasing the excess on your insurance will drop your premiums as a result. Look at reducing the need for a car when traveling to short destinations so that you can reduce the mileage declared for each year of driving.

Protect your no-claims discount

Don't claim unless you have to; small repairs are sometimes more economical to get fixed out of your own pocket in the long run.

Avoid obtaining points

Insurers will usually ignore three points on your license, but any more and you may have to pay for it. Keep that license point free and you should get cheaper premiums.

Buy an insurance friendly car

Before you buy take a look at insurance bandings. Two cars from different manufacturers can do much the same job but differ wildly on insurance groupings thanks to an individual manufacturer's record on security.

Get the right policy

Comprehensive, third-party or third-party, fire and theft? Depending on how much your car is worth you need to get the right policy.

Avoid modifications

Start modifying the performance or looks of your car and you'll pay more insurance. Expensive wheels and fancy stereos make your car more attractive to those with light fingers, which will be reflected in your premiums.

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