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How to cut the cost of car insurance

There are lots of ways to cut the cost of car insurance without necessarily compromising on cover. Car insurance companies are more than willing to reward customers who take positive action to reduce their risk by offering you lower premiums. So it's really about the way you drive, the number of miles you do each year and how well you take care of your car.

Here are 10 simple ways to reduce your premium

Choose which cover
Most companies offer three types of policy: Third Party, Third Party, Fire & Theft andComprehensive cover. You could request quotes on all three policies to see which one offers the cheapest premium. But remember, the price you are quoted may be cheaper because you're getting less cover and if you were to have an accident, saving money on your premium could actually be false economy. You need to weigh up what level of cover you really need based on the mileage you're likely to be doing, your driving experience and the value of your car.

Reduce your mileage
The fewer miles you do each year, the lower your risk of an accident, so if you can reduce your mileage by walking or taking public transport more often this could reduce your premiums. However, never purposely underestimate your annual mileage when you request a quote and always declare accurately how much is used for business or pleasure. Underestimating could invalidate your policy.

Improve security
Accidental damage and theft are common reasons for insurance claims. You can reduce the risk of both by fitting a Thatcham immobiliser or alarm, or by keeping your car in a locked garage rather than parked on the street. Either of these security measures could reduce the cost of your insurance premium.

Increase your excess
You may be required to pay an accident excess on your policy which is a contribution towards the repair or replacement of your car should you need to claim. If you're a safe driver with a good driving history you could increase your excess in order to reduce your premiums.

Drive safely
Careful drivers have fewer accidents and if you never make a claim you can build up your No Claims Bonus and your premiums will be cheaper. Also, make sure you stick to speed limits and avoid fixed penalty fines. If you have more than one of these your car insurance premiums are likely to rise.

Don't modify your car
If you're a car enthusiast you may want to personalise your car by changing its appearance or performance. But beware! If you make modifications to the standard vehicle specifications you are likely to pay higher premiums, you should always notify your insurance company.

Improve your driving skills
If you're a new driver, you can may be able to reduce the cost of your insurance by taking some extra Pass Plus lessons. These train you how to cope in difficult situations such as rush hour traffic, motorway driving and driving at night.

Check before you buy
It's worth checking out the insurance group of any car you're thinking of buying. Cars fall into insurance groups and the lower the group, the cheaper your car insurance will be.

Settle for less vroom!
High specification and performance cars are attractive to thieves and tend to cost more to repair so they represent a considerably higher risk to your insurer. Avoid them and you can also avoid a higher insurance premium!

Second car policy
Have you got more than one car in your household? You could be eligible for our multi-car policy with discounts available for insuring more than one car on the same policy, compared to single policies for each family member. To find out if you qualify, give us a call on 0844 800 3695. Please note: Calls to this number cost 7p per minute, plus your phone company's access charge.