This is a continued list of tips and tricks about car insurance. Some are obvious, some aren't, some are just common sense. All can help you lower your premiums.
Compare quotes
Using a comparison site is an easy way to see the different range of premium prices from more than one insurer.
Take stock
Any changes in your personal circumstances could affect your premium for better or worse, so review your policy regularly and keep your insurer informed of any changes.
Don't leave gaps
It's important not to have any gaps in your car insurance history. If you leave yourself uninsured for even a day, you could find yourself on the high-risk list.
SORN
If you're not going to be driving a vehicle for a while, declare it SORN, get it off the public roads and save the money.
No children
If possible, keep young drivers off your policy as they can add hundreds of pounds to a policy. Teach them the value of money by letting them have their own policy, possibly with you as a named driver to help cut their premium a little.
Move house!
Where you live has a bearing on your premiums. You're more likely to get
cheap car insurance if you live in a nice quiet suburban area with driveways and no crime than if you live in the middle of a council estate with children running riot with sharp objects.
Be female
A bit hard for some, obviously, but women generally make fewer claims on their insurance and are therefore seen as lower risk. So if you're a couple sharing a car, have the woman as the main driver and the man as the secondary, and it may work out that little bit cheaper.
Get married
Obviously marriage is a sacred institution that should never be entered into lightly, and certainly not for the sake of cheaper
car insurance, but married people are seen as lower risk than singletons and claims they make tend to be smaller, and are therefore quoted less for their premiums.
Last but not least, be honest!
Tell the truth when getting your
car insurance quotes. If your insurer finds out you've lied or omitted details about yourself or your car when you come to make a claim, your insurance will be rendered invalid. You may begrudge paying that extra £15 per month for your penalty points, but it's better than paying hundreds of pounds for damages after your insurance company refuses to pay out because they weren't told about them!
