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How you Can Reduce your Car Insurance?

By: Tracy Wilkinson - Updated: 7 Oct 2012 | comments*Discuss
Motoring Car Insurance Driving Car

If you are one of the many motorists who are fed up with having to pay a high price for their car insurance, you might be interested in finding out about a couple of things you can do that can help you keep the cost down. All of them are legal, and in most cases you just need to think ahead and do your research, and you could end up saving a packet.

Consider the Type of Car that you Drive

First of all and quite obviously, the type of car you drive is going to have a significant bearing on your car insurance premium. If you drive a big powerful car, then consider swapping to a vehicle with a smaller engine, or perhaps a hybrid, or alternative fuel car with lower C02 emissions. Now that car tax is based on Co2 emissions, what you save here could make swapping your current car a worthwhile investment in the long run.

If you're already thinking of buying a new or 'new to you' car, then do take time to check and consider the different options available on the model that you are interested in. It's surprising how little difference there can be between models that differ greatly in the car tax and insurance bands. Check both petrol and diesel models, as sometimes the bandings differ from your expectations.

Imports and Modifications

If you're thinking of buying an imported car, or one with modifications (or you're thinking of modifying it yourself) remember that this is likely to cost you a fair bit on your premium. Imported and modified cars can often cost a lot more to insure than regular vehicles. Remember that even just fitting an expensive sound system can be considered a modification, so check with your insurance company before doing anything that might be considered to be making your car more attractive to thieves.


Your home postcode will essentially determine how much you have to pay for where you keep your car and this can make a big difference to your insurance premium. Most reported attacks of vandalism happen to cars that are parked on the street, so having some kind of secure parking will bring down the cost of your policy. Having a lockable garage where the car will be stored would be the preferable situation, but if that's not possible, then off-the-road parking is better than on-road. If you have no choice but to park on the road, then having a good security system - such as an engine immmobiliser or a good standard car alarm - can make a significant difference to the cost you'll have to pay to insure the vehicle.

Information you Give for Your Insurance Quotation

When you fill in the insurance form initially, you'll be asked to answer a number of questions about the car, where you live and your personal circumstances. No matter how tempting it might be to tell a little fib to bring down the premium costs - don't lie about anything, it's really not worth it. Even if it brings down the cost of your premium, insurance companies are really hot about fraud, and they will do random investigations to check that the information their customers have given them is correct. Of course, if you are involved in an accident and any of the information you gave is found to be false, then your claim will be refused, your insurance will be invalidated and you could be charged with fraud. You would also find it very difficult to get another insurance policy in the future.

Keep on the Right Side of the Law

  • You should always advise your insurers about any motoring tickets you receive. It sounds obvious, but the less tickets you get and the less points you have on your licence, the less your premium will be. So the safer you are, the less you should pay.
  • Women are considered by many insurance companies to be safer drivers than men. Obviously, if you're a man, you can't claim to be a woman - but you can add a female onto your car insurance policy - which in turn could bring down your premium. Whether you are male or female, if you have a partner of the opposite sex then it could save you money to get two quotes - one with and one without your partner.
  • Take an advanced driving course - or a Pass Plus test, especially if you're a new driver. Lots of insurers will offer a discount for motorists who pass this type of course.

The most important thing when looking for cheaper car insurance is to shop around. There are so many different insurance companies with different target markets, that visiting a comparison site or getting a number of different quotes can make sure that you find the cheapest possible premium for you.

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