Dozens of factors influence the cost of your motor insurance premium.

To get cheaper car insurance you simply need to address each of them individually...

Your Vehicle
The more expensive your car is, the higher your insurance premiums will be. So if you want to lower your insurance, simply buy a cheaper or less powerful car.

Mileage
You can lower your insurance premiums by restricting your annual mileage to an agreed level.

Parking
Where you car is parked overnight can have a significant effect on your premium. Parking your vehicle in a locked garage can save you over 10% when compared to parking your car in the street.

Security
Extra security devices can also reduce your premium, particularly the Tracker system which can reduce your premium by well over 10%.

No Claims Discount
A good no claims record will save you a great deal of money on your annual insurance. It often works out cheaper not to claim on your insurance for small bumps and scrapes.

Excess
If you agree to pay a larger excess you will scientifically reduce your car insurance premiums. But remember, should you have a crash you will have to pay this amount.

Advanced driving skills
Passing an advanced driving course can often help lower your premium. Check with your insurer beforehand.

Consolidating policies
You can usually save around 10% by inuring all the family's cars under one policyholder with the same insurer.

Named Drivers
Insure your car for named drivers rather than for all drivers. As long as your named drivers have a good driving record, you will save money.

Adding your partner
Often you'll find that your insurance goes down if you add your partner to the policy. This little known fact is due to insurance companies viewing drivers with long term partners as less risky than people who are single.