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13 ways to save money on your car insurance

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Lexus NX plug-in hybrid an affront</a><a class="truncated more-link" href="https://www.driving.co.uk/car-reviews/clarkson/">&rsaquo; More Clarkson here...</a></li><li class="col-sm-3"><h3>Quotes</h3><p class="teaser truncated ">Britain's biggest motormouth's classic quips</p><p class="quote"><a href="http://www.driving.co.uk/tag/clarkson-on/" >" What I really think about... supercars, America, foreigners, car launches, Top Gear, the battle of the sexes and cars "</a></p></li><li class="col-sm-3"><h3 class="blank-header"></h3><a class="image-link menu-4col" href="http://www.driving.co.uk/contributors/jeremy-clarkson/" ><img class="lazyMedia" src="https://www.driving.co.uk/wp-content/themes/st-driving/assets/img/default-images/article-default-160x160.jpg" data-src="https://www.driving.co.uk/wp-content/uploads/sites/5/2016/03/Clarkson-megamenupx.jpg?w=360" data-srcset="" sizes="(max-width: 992px) 150px, (max-width: 1260px) 182px, 220px" alt=""></a><p class="caption truncated">Jeremy Clarkson's reviews on Driving.co.uk</p></li><li class="col-sm-3"><h3>Classic Clarkson</h3><p class="truncated teaser">Unmissable reviews marking his first 20 years at the Sunday Times</p><a class="truncated article" href="https://www.driving.co.uk/30-years-clarkson/clarkson-aston-martin-vantage-review-1993/">Clarkson's first review: Aston Martin Vantage</a><a class="truncated article" href="https://www.driving.co.uk/30-years-clarkson/clarkson-bugatti-veyron-review-2005/">Our favourite Clarkson review: Bugatti Veyron 16.4</a><a class="truncated article" href="https://www.driving.co.uk/30-years-clarkson/clarkson-reed-warbler-vauxhall-vectra-review-2002/">The most outrageous Clarkson review ever</a><a class="truncated more-link " href="https://www.driving.co.uk/news/20-years-of-clarkson/">&rsaquo; More Classic Clarkson here...</a></li></ul><li class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-47037"><a href="https://www.driving.co.uk/car-reviews/">Reviews</a><ul 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d="M106.709,52.67c-0.848-0.791-1.989-1.277-3.258-1.277H46.95c-1.261,0-2.4,0.492-3.249,1.289l31.498,26.997L106.709,52.67z "/> <polygon points="42.201,55.532 42.201,94.699 64.984,75.337"/> <polygon points="85.415,75.337 108.199,94.699 108.199,55.518"/> </g> </g> </svg> </a> </div> </div> </div> </div> <div class="col-md-8 col-lg-8"> <article id="post-98990" class="post-98990 post type-post status-publish format-standard has-post-thumbnail hentry category-advice category-car-clinic tag-black-boxes tag-car-clinic tag-car-insurance tag-gocompare tag-insurance-policy"> <div class="block-bar visible-xs visible-sm visible-md"></div> <!-- Hub links here ( main content panel ) --> <header class="entry-header"> <h1>13 ways to save money on your car insurance</h1> <h2>Some things you can change, others you can’t</h2> <div class="header-bottom "> <div class="info-panel"> <div class="black-bar"></div> <div class="review-score-box"></div> </div> <hr class="red" /> <div class="article-date"> Published 05 August 2024 </div> <div class="article-author-wrapper"> <a href="https://www.driving.co.uk/contributor/http://sunday-times-driving">By Sunday Times Driving</a> </div> </div> <div class="social-shares"> <div class="share-text"> Share Article </div> <div class="share-icons"> <a class="share share-facebook" href="https://www.facebook.com/sharer/sharer.php?u=https://www.driving.co.uk/car-clinic/advice/how-save-money-car-insurance/" target="_blank"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" width="150.4px" height="150.4px" viewBox="0 0 150.4 150.4" enable-background="new 0 0 150.4 150.4" xml:space="preserve"> <g id="Icons"> <path class="circle" fill="#6D6D6D" stroke="#6D6D6D" stroke-width="0.4" stroke-miterlimit="10" d="M75.198,150.2 c-41.354,0-74.998-33.645-74.998-75s33.644-75,74.998-75s75.002,33.645,75.002,75S116.553,150.2,75.198,150.2z M75.198,3.859 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c24.855,0,38.44-20.581,38.44-38.445c0-0.586-0.011-1.167-0.035-1.742C104.078,63.476,106.375,61.1,108.18,58.39"/> </g> </svg> </a> <a class="share share-google-plus" href="mailto:?subject=13 ways to save money on your car insurance&body=13 ways to save money on your car insurance%20https://www.driving.co.uk/car-clinic/advice/how-save-money-car-insurance/" target="_blank"><?xml version="1.0" encoding="utf-8"?> <!-- Generator: Adobe Illustrator 16.0.0, SVG Export Plug-In . SVG Version: 6.00 Build 0) --> <!DOCTYPE svg PUBLIC "-//W3C//DTD SVG 1.1//EN" "http://www.w3.org/Graphics/SVG/1.1/DTD/svg11.dtd"> <svg version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" width="150.4px" height="150.4px" viewBox="0 0 150.4 150.4" enable-background="new 0 0 150.4 150.4" xml:space="preserve"> <g id="Icons"> <path stroke="#000000" stroke-width="0.4" stroke-miterlimit="10" d="M75.198,150.2c-41.354,0-74.998-33.645-74.998-75 c0-41.354,33.644-75,74.998-75c41.354,0,75.002,33.646,75.002,75C150.2,116.555,116.553,150.2,75.198,150.2z M75.198,3.859 c-39.336,0-71.34,32.002-71.34,71.341c0,39.334,32.003,71.341,71.34,71.341c39.34,0,71.344-32.007,71.344-71.341 C146.542,35.862,114.539,3.859,75.198,3.859z"/> </g> <g> <g> <path d="M75.199,84.392l-8.164-7.146L43.689,97.26c0.849,0.788,1.994,1.277,3.261,1.277h56.501c1.259,0,2.399-0.489,3.245-1.277 L83.364,77.247L75.199,84.392z"/> <path d="M106.709,52.67c-0.848-0.791-1.989-1.277-3.258-1.277H46.95c-1.261,0-2.4,0.492-3.249,1.289l31.498,26.997L106.709,52.67z "/> <polygon points="42.201,55.532 42.201,94.699 64.984,75.337"/> <polygon points="85.415,75.337 108.199,94.699 108.199,55.518"/> </g> </g> </svg> </a> </div> </div> </header><!-- .entry-header --> <div class="entry-content"> <p class="has-drop-cap">Along with fuel, insurance is usually among the biggest annual costs for motorists, and the latest data suggests premiums are continuing to rise at pace.</p> <p>According to data from the Association of British Insurers (ABI) <a href="https://www.thetimes.com/business-money/economics/article/motor-insurance-costs-up-by-a-fifth-in-nasty-shock-to-drivers-6pfhq709t" target="_blank" rel="noreferrer noopener">quoted in <em>The Times</em> today</a>, the average cost of fully comprehensive insurance cover cost £622 at the end of June 2024 — 21 per cent higher than at the same time 12 months earlier.</p> <p>However, there is some good news for motorists. Premiums were 2 per cent higher at the end of March, when they hit a record high of £635. What&#8217;s more, the industry is under threat of a crackdown from the government, after Labour pledged to &#8220;support drivers by tackling the soaring cost of car insurance&#8221; in its manifesto.</p> <p>There is hope for those looking to keep premiums to a minimum, then. But saving money on car insurance can still create a bit of a headache. Insurance companies take into account a wide variety of factors when calculating premiums, the sum a driver pays for insurance every year can be unpredictable and influenced by factors beyond a motorist’s control.</p> <h3 class="wp-block-heading">What affects motor insurance premiums?</h3> <p>Age plays a big part certainly, largely because the younger a driver is, the more statistically-likely they are to be involved in an accident, which is why car insurance is so expensive for teenagers and twenty-somethings. </p> <p>Data from the <a href="https://www.confused.com/car-insurance/price-index" target="_blank" rel="noreferrer noopener">Confused.com car insurance price index</a>, published in July 2024, shows a 17-year-old will pay £2,776 for a year&#8217;s fully comprehensive cover, up 33 per cent in 12 months, while the average cost now only dips below £1,000 per year when a driver reaches 38.</p> <p>Gender is a factor, though perhaps not for the reason most believe. Discrimination based on sexual orientation was outlawed over a decade ago by the EU Gender Directive, but according to Confused.com, those who classed themselves as female on their driving licence paid an average of £786 for their car insurance in the second quarter of 2024 — some £153 less than those who identified as male. According to the insurer this may be related to men opting to drive more expensive or faster cars than women, resulting in costlier repairs; in theory, men and women should receive the same quote, if all other things are equal (car, address, age, etc.)</p> <p>Few people will move house just for the sake of their car insurance, but where you live can also wreak havoc on your premium. Drivers who live in London pay more on average for car insurance than those in the south-west of England and the Scottish Borders, for example. In the latter areas, cars are seen to be at a lesser risk of theft or vandalism, and if you live in a terraced house with no access to off-street parking, your premium will be higher still.</p> <p>Other factors such as occupation; make, model and age of the car; where you store it overnight; whether you use it for work or commuting; and how many miles you expect to cover each year will all go into the car insurer&#8217;s melting pot to determine your premium.</p> <h2 class="wp-block-heading"><strong>How you can get cheaper car insurance</strong></h2> <p>Thankfully, insurance premiums aren’t entirely in the lap of the gods and there’s still a lot motorists can do to bring down the. <strong>Here are our tips on how to reduce your car insurance premium.</strong></p> <h3 class="wp-block-heading"><strong>1. Shop around</strong></h3> <p>There are a lot of car insurance providers out there, all competing for your attention. The best way to save on your insurance — any insurance — is to shop around.</p> <p>That doesn’t mean spending hours online or on the phone getting quotes from every insurance company in the land; a quick call to an insurance broker will usually net motorists a good deal on the policy that’s the best fit for them, while a number of price comparison websites such as <a href="https://go.skimresources.com?id=34784X1557322&amp;xs=1&amp;url=https%3A%2F%2Fwww.uswitch.com%2Fcar-insurance%2F" target="_blank" rel="noreferrer noopener">USwitch</a>, <a href="https://go.skimresources.com?id=34784X1557322&amp;xs=1&amp;url=https%3A%2F%2Fwww.moneysupermarket.com%2F" target="_blank" rel="noreferrer noopener">MoneySuperMarket.com</a>, <a href="https://go.skimresources.com?id=34784X1557322&amp;xs=1&amp;url=https%3A%2F%2Fwww.gocompare.com%2F" target="_blank" rel="noreferrer noopener">GoCompare</a> or <a href="https://go.skimresources.com?id=34784X1557322&amp;xs=1&amp;url=https%3A%2F%2Fwww.comparethemarket.com%2F" target="_blank" rel="noreferrer noopener">Comparethemarket</a> allow drivers to input their details and find the best deal available from a selection of providers, potentially saving them hundreds of pounds every year.</p> <p>However, it&#8217;s worth remembering that some insurers won&#8217;t be on price comparison sites, and they may still offer a competitive quote.</p> <figure class="wp-block-image size-large"><img decoding="async" width="1440" height="897" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?w=1024" alt="Ghost brokers: police warn of rise in fake car insurance" class="wp-image-66042" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg 1440w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=310,193 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=768,478 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=1024,638 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=620,386 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=360,224 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=720,448 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=400,249 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/02/Scammers-are-selling-fake-car-insurance-on-social-media-1440.jpg?resize=800,498 800w" sizes="(max-width: 1440px) 100vw, 1440px" /></figure> <p>It&#8217;s also worth noting the cheapest quote isn’t necessarily the best one. Do your research and see what the policy covers (breakdown assistance, windscreen cover, etc.) as a slightly more expensive policy may offer better value in the long run. There’s no point in opting for the bare minimum level of cover if it’s going to mean that you’re left severely out-of-pocket after a crash if you have to repair or replace your own car.</p> <h3 class="wp-block-heading"><strong>2. Pay your premium annually</strong></h3> <p>As with many things, paying for your car insurance in a lump sum is cheaper than paying monthly, because that is essentially a loan with added interest. The significant upfront cost means it&#8217;s not always attractive to do this but it&#8217;s worth considering paying with a credit card and then paying off the balance over a few months rather than a full year, potentially reducing the amount of interest paid.</p> <p>If you can sign up for a credit card with 0% interest on purchases, even better, or you could find a card that rewards purchases with points or cashback.</p> <figure class="wp-block-image size-large"><img decoding="async" width="1440" height="897" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?w=1024" alt="One million drivers may have fake car insurance as ghost brokers take hold" class="wp-image-71241" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg 1440w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=310,193 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=768,478 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=1024,638 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=620,386 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=360,224 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=720,448 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=400,249 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/ghost-brokers.jpg?resize=800,498 800w" sizes="(max-width: 1440px) 100vw, 1440px" /></figure> <h3 class="wp-block-heading"><strong>3. Add an experienced driver to your policy</strong></h3> <p>Adding an older, more experienced driver to your policy can sometimes help to bring your annual premium down. This doesn’t apply in all cases but if the other driver has a clean licence and claims history, it’s a decent bet that adding them as a named driver on your policy will decrease your premium.</p> <p>Always be honest about who the main driver is or you risk invalidating your cover.</p> <h3 class="wp-block-heading"><strong>4. Increase your excess</strong></h3> <p>The excess is the amount you pay in the event of a claim and is split into two parts — voluntary and compulsory — together known as total excess. If you choose to pay a higher voluntary excess, it will reduce the price of your insurance premium. </p> <p>But you need to be aware of what that means in the event of an accident.</p> <p>For one, you won’t be able to make a claim if the value of the damage is lower than your total excess. For example, if your voluntary excess is £250 and compulsory excess is £250, any claim would need to exceed £500. And if, say, the repairs cost £550, you&#8217;d be paying the first £500 while the insurer would only contribute £50, which isn&#8217;t a good deal, especially as you would lose any no-claims discount you&#8217;d accrued.</p> <p>The temptation will always be there to reduce your premium as much as possible by increasing your excess, but it&#8217;s important to make sure you don’t sign up to an excess you’ll struggle to pay in the event of an accident.</p> <figure class="wp-block-image size-large"><img decoding="async" width="1440" height="897" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?w=1024" alt="Rear end car crash Skoda Fabia" class="wp-image-88246" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg 1440w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=310,193 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=768,478 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=1024,638 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=620,386 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=360,224 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=720,448 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=400,249 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/08/Rear-end-car-crash-Skoda-Fabia.jpg?resize=800,498 800w" sizes="(max-width: 1440px) 100vw, 1440px" /></figure> <h3 class="wp-block-heading"><strong>5. Think about how you describe your job</strong></h3> <p>Bizarrely, the way you describe your job can also affect your premium — for example, a “chef” might pay a different premium to a “cook”, and a “hairdresser” might pay a different price to a “barber”. If you’re using a price comparison website, it’s worth fiddling about with different ways of describing your job to see what earns you the lowest premium. If you’re a solicitor, for instance, try inputting lawyer or barrister to see what happens.</p> <p>Be as creative as you like but just make sure that the job description you use is accurate, as otherwise it’s fraud and it will, at best, invalidate your policy. At worst? Well, it&#8217;s fraud&#8230;</p> <h3 class="wp-block-heading"><strong>6. Improve security</strong></h3> <figure class="wp-block-image size-large"><img decoding="async" width="1440" height="897" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?w=1024" alt="Milenco High Security Steering Wheel Lock" class="wp-image-101520" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg 1440w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=310,193 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=768,478 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=1024,638 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=620,386 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=360,224 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=720,448 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=400,249 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2021/02/Milenco.jpeg?resize=800,498 800w" sizes="(max-width: 1440px) 100vw, 1440px" /></figure> <p>Think about installing devices such as alarms, immobilisers and locking wheel nuts. If you’re unsure about installing these devices, you can get insurance quotes before fitting any security upgrades and then see if the extra cost of buying these is worth it for the insurance savings. </p> <p>If you have a keyless car, that may flag up a warning on the insurer&#8217;s system as it could be a model targeted by sophisticated thieves with electronic devices that can unlock the doors, so make sure you’re not making it easy for the techno-thieves by following <a rel="noreferrer noopener" href="https://www.driving.co.uk/news/features/six-ways-thieves-can-break-into-a-car-and-how-to-prevent-it/" target="_blank">Driving.co.uk’s guide to preventing keyless car entry</a>.</p> <figure class="wp-block-embed is-type-wp-embed is-provider-driving-co-uk-from-the-sunday-times wp-block-embed-driving-co-uk-from-the-sunday-times"><div class="wp-block-embed__wrapper"> <blockquote class="wp-embedded-content" data-secret="txnBr9Hgcv"><a href="https://www.driving.co.uk/car-clinic/six-ways-thieves-can-break-into-a-car-and-how-to-prevent-it/">Keyless car theft prevention: 6 ways thieves can break into a car and how to prevent it</a></blockquote><iframe class="wp-embedded-content" sandbox="allow-scripts" security="restricted" style="position: absolute; clip: rect(1px, 1px, 1px, 1px);" title="&#8220;Keyless car theft prevention: 6 ways thieves can break into a car and how to prevent it&#8221; &#8212; Driving.co.uk from The Sunday Times" src="https://www.driving.co.uk/car-clinic/six-ways-thieves-can-break-into-a-car-and-how-to-prevent-it/embed/#?secret=Tzne3I1Pl6#?secret=txnBr9Hgcv" data-secret="txnBr9Hgcv" width="500" height="282" frameborder="0" marginwidth="0" marginheight="0" scrolling="no"></iframe> </div></figure> <h3 class="wp-block-heading"><strong>7. Avoid modifications</strong></h3> <figure class="wp-block-image size-large is-resized"><img decoding="async" width="8256" height="5504" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?w=1024" alt="A small bag of air is affixed to the steering wheel of a modified car on display at 'The Speed Show' held at Elvington Airfield, near York, northern England on February 24, 2024. The Speed Show, hosted by 'Straightliners' takes place on February 24th and 25th and features 200 vehicles on display as well as drag racing and performance car displays. (Photo by Oli SCARFF / AFP) (Photo by OLI SCARFF/AFP via Getty Images)" class="wp-image-147280" style="width:840px;height:auto" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg 8256w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=310,207 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=768,512 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=1024,683 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=1536,1024 1536w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=2048,1365 2048w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=579,386 579w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=336,224 336w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=672,448 672w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=374,249 374w, https://www.driving.co.uk/wp-content/uploads/sites/5/2024/08/GettyImages-2028612358.jpg?resize=747,498 747w" sizes="(max-width: 8256px) 100vw, 8256px" /></figure> <p>It can be tempting to modify your car, and doing so is not just the preserve of boy (and girl) racers. But bear in mind that any upgrades to the styling, safety, audio or performance of your vehicle could mean an increase in the price of your insurance.</p> <p>This is because additions such as alloy wheels, body kits and performance upgrades could make your car — or parts of your car — a lot more attractive to thieves. Even simple decals that make the car look more performance-orientated can increase your premium.</p> <p>Cars with modifications also tend to be more expensive to fix due to the higher-value custom parts, and may be less reliable or safe than cars that are standard, which have been tested rigorously by the manufacturer.</p> <h3 class="wp-block-heading"><strong>8. Build up a no-claims bonus discount</strong></h3> <p>This one speaks for itself. Building up your no-claims discount will help you to get a cheaper policy because insurers reward motorists who are less likely to claim. </p> <p>Be careful about the drivers you add to your insurance policy though — if they’re less experienced and drive the car reasonably often, they’re more likely to have a crash and destroy your no-claims bonus, resulting in a double-whammy premium increase next time around.</p> <p>You can, however, protect your no-claims bonus to give yourself a bit more security, although that usually costs a little more than a conventional insurance premium.</p> <h3 class="wp-block-heading"><strong>9. Limit the mileage</strong></h3> <p>If you can limit the number of miles you drive each year, it means you’re a lower risk for insurers — less time on the road means less chance that you&#8217;ll end up having an accident. But again, always give an accurate estimate of your mileage when getting a quote or you&#8217;ll invalidate the contract.</p> <figure class="wp-block-image size-large"><img decoding="async" width="1440" height="897" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?w=1024" alt="" class="wp-image-74652" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg 1440w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=310,193 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=768,478 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=1024,638 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=620,386 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=360,224 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=720,448 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=400,249 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/07/By-Miles-Insurance-01.jpg?resize=800,498 800w" sizes="(max-width: 1440px) 100vw, 1440px" /></figure> <h3 class="wp-block-heading"><strong>10. Consider a black box policy</strong></h3> <p>Black boxes, which record data about your driving in order to form the basis for premiums, are sometimes associated with young or beginner drivers. However, anyone can get them and they can make your car insurance cheaper — provided that you’re a careful driver.</p> <p>Many will balk at being constantly monitored by their insurance company and, if you don’t plan on being relentlessly diligent about your driving — staying within the speed limit at all times, braking and steering smoothly, and driving as few miles as possible — then a black box policy may not be for you and may ultimately lead to a higher premium.</p> <h3 class="wp-block-heading"><strong>11. Install a dash cam</strong></h3> <figure class="wp-block-image size-large"><img decoding="async" width="4029" height="2266" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?w=1024" alt="NExtbase iQ dash cam" class="wp-image-136311" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg 4029w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=310,174 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=768,432 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=1024,576 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=1536,864 1536w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=2048,1152 2048w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=620,349 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=360,202 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=720,405 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=400,225 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2023/10/iQ-Smart-Dash-Cam-Lifestyle-3.jpg?resize=800,450 800w" sizes="(max-width: 4029px) 100vw, 4029px" /></figure> <p>Fitting a dash cam can reduce your insurance premiums. This is because insurers can reduce claims processing times significantly if they have video evidence of a crash, which saves them money and potential legal fees. </p> <p>However, as with black box recorders, you&#8217;ll need to ensure you&#8217;re a competent and responsible driver at all times as dash cams record your speed, G-force and other inputs, such as the audio inside the cabin. Some even point backwards into he cabin, so if you were not paying attention to the road before an accident, you&#8217;ll implicate yourself. Lawful drivers need not be concerned, of course.</p> <h3 class="wp-block-heading"><strong>12. Choose the right car</strong></h3> <p>Choosing a car with its insurance group in mind is one way for drivers to potentially save hundreds of pounds every year. Cars in the UK are placed into insurance groups from 1-50 and the lower the group, the cheaper the car will be to insure.</p> <figure class="wp-block-image size-large"><img decoding="async" width="1440" height="897" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?w=1024" alt="These were UK's most popular used cars in 2018" class="wp-image-81764" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg 1440w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=310,193 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=768,478 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=1024,638 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=620,386 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=360,224 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=720,448 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=400,249 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2019/01/2014-Vauxhall-Corsa-01.jpg?resize=800,498 800w" sizes="(max-width: 1440px) 100vw, 1440px" /></figure> <p>Generally, smaller and less expensive cars such as superminis and city cars are among the cheapest to ensure while fast and high-end cars are the most expensive. After all, there’s a reason you generally see younger motorists driving a Vauxhall Corsa or a VW Polo, rather than a BMW M3 or a Porsche 911.</p> <p>Drivers can check which insurance group their car falls into on the <a href="https://www.comparethemarket.com/car-insurance/group-checker/" target="_blank" rel="noreferrer noopener">Compare the Market website, for example.</a></p> <p>The age of a car is another factor affecting insurance premiums. For a variety of reasons — fewer safety features, potentially more expensive parts — older cars <em>can </em>be more expensive to insure, but that increase isn’t linear because newer cars are generally more valuable, making them costlier to repair.</p> <p>In 2022, a new car cost on average £1,212 to insure every year. For a five-year-old car, that average figure fell to £1,089 before starting to rise, with the average premium for a 10-year-old car being £1,144.</p> <p>Ideally then, for the cheapest car insurance, a driver will be looking for a car that’s five-to-ten years old and has as small an engine as possible. Cars such as the Hyundai i10, Kia Picanto and Seat Ibiza all fit the bill, though of course these won’t suit all drivers, so it’s worth checking before buying your next car if you want to save on insurance.</p> <figure class="wp-block-image size-large"><img decoding="async" width="1440" height="897" src="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?w=1024" alt="" class="wp-image-71226" srcset="https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg 1440w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=310,193 310w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=768,478 768w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=1024,638 1024w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=620,386 620w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=360,224 360w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=720,448 720w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=400,249 400w, https://www.driving.co.uk/wp-content/uploads/sites/5/2018/05/Up-to-a-million-drivers-may-have-fake-insurance.jpg?resize=800,498 800w" sizes="(max-width: 1440px) 100vw, 1440px" /></figure> <h3 class="wp-block-heading"><strong>13. Drive safely</strong></h3> <p>At the risk of stating the abundantly obvious, the surest way to avoid a significant insurance premium hike is to avoid crashing. The vast majority of accidents are caused by human factors including driving at an inappropriate speed for the conditions, impairment due to drink, drugs or tiredness, or even just a momentary lapse in judgement.</p> <p>No driver is perfect all of the time, but bearing in mind that even a relatively minor shunt has the potential to drive up the cost of your insurance premium by hundreds of pounds every year does certainly focus the mind. </p> <h2 class="wp-block-heading has-text-align-center">Related articles</h2> <ul> <li>If you found our top tips for reducing your insurance costs useful, you might want to read <a href="https://www.driving.co.uk/news/average-uk-car-insurance-premium-hits-1000-a-year/" data-type="post" data-id="139255">that the average UK car insurance premium is now over £1,000 a year</a></li> <li><a href="https://www.driving.co.uk/car-clinic/advice/can-you-claim-insurance-if-a-tree-lands-on-your-car-in-a-storm/" data-type="post" data-id="138911">Can you claim 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