Age – Your age can affect the price of your insurance. The age group 25 – 70 tend to get the lowest premiums.
Bodykits – having these on your car will automatically classify you as a fast driver and bump up your premiums.
Comparisons – comparing a like-for-like
car insurance quote from several companies is a good way of getting a cheaper premium.
Declare (everything) – Any modifications or changes in circumstances should be declared to your insurer to keep your policy valid regardless of whether you think they may bump up the price.
Excess – If you choose a higher voluntary excess you can get a lower monthly or annual premium.
Fast cars – Generally speaking, the faster the car and more powerful the engine, the more likely it is to be in an accident, and will therefore be more expensive to insure.
Garage – Being able to keep your car in a secure place like a garage can knock pounds off your premium. If you've recently gained access to a garage, either through moving or just renting one, tell your insurer.
Home – Where you live will affect the cost of your premium. People living in an area with a high crime rate tend not to get
cheap car insurance as their cars are more at risk.
Insurance group – Each UK car falls into one of 20 groups, which give insurers a guide as to what the insurance for that particular car – barring any modifications and personal circumstances – should be. Generally, the smaller the car, the lower the
car insurance group and premiums.
Journeys – If you can keep your journeys to a minimum and accumulate a lower annual mileage, you may find that this gets you a lower premium. Insurers take the view that the less time you spend on the roads, the less likely you are to be in an accident.
Keys – Sounds obvious, but you should never leave your keys in your car while unattended. This is especially true during winter months when people leave their cars unattended with the engine running to warm it up. Making a car theft claim can be nearly impossible if it's discovered the keys were left in the car.
Lies – Don't tell them! Deliberately omitting details when obtaining a quote can invalidate your policy, make claiming impossible and is technically committing insurance fraud. Be completely honest with your insurer, even if you think it may mean a higher premium.
Modifications – any modifications you make to your car will affect your premium. Some, like trackers and alarms, will reduce the cost but others such as alloy wheels, big bore exhausts etc can make your car more attractive to thieves thus raising the cost of insurance. If you already drive a higher-group car, try to avoid modifying it.
