How to get cheaper car insurance

Here are some tips, that if followed could save you a few quid on your car insurance.

Check your mileage – Car insurance companies take into account the amount of miles you travel annually to calculate your premium. Make sure that the annual mileage information you supply them is accurate. For example, if you have recently changed your job then your commuting distances could have reduced. You could therefore be paying extra for your insurance for mileage that you are not actually using.

Watch where you park – Garages and driveways are favoured more highly by insurers than cars parked on the road. So if you have access to either a driveway or a garage then it's a good idea to make use of them.

Fit an alarm – Thatcham approved alarms or immobilisers are an effective deterrent to would-be thieves. Having extra security features installed should help lower you car insurance. Securities such as these are essential if you own a luxury car. For expensive, top of the range vehicles, some insurers insist that sophisticated tracking devices are installed before they will provide cover.

Reduce your excess - Voluntary excess is the amount you are willing to cover yourself in the event of an accident. The more excess you are prepared to pay then the lower your premium will be. It's advisable that your excess amount is an expense that you can comfortably afford, as it could become a financial burden in the event of an accident that is your fault.

Cut down on the extras - Insurance extras such as courtesy cars etc may increase your car insurance premium. If there are extras included with your insurance that you don't need then get them removed from your policy.