Beware Monthly Payment Plans – insurers will charge you interest so pay in full or use a low APR% credit card.

Careful Driving – Keep points off your licence.  A single speeding offence adds approximately 5% to your premium and lasts for 5 years rather than the 4 on your licence.  Add another and you are looking at a 20% increase.

Don’t Drive Whilst on the Mobile – If successfully prosecuted expect your premium to double.

Drive an Appropriate Car – a high powered, 150mph, super car isn’t appropriate for young drivers and insurance premiums will mirror.

Parking – If you leave your car in a drive or garage it saves up to 7% so if you can park off road do!

Purchase Appropriate Cover – Only purchase comprehensive insurance if your car is worth more than £1,500 or for those without no claims bonus.   Also consider if you want a policy that includes a guaranteed courtesy car as you will receive a considerable saving if your policy does not include a replacement car if your car has to be repaired.

Reduce Your Mileage – Do you need your car for every local journey?  Lowering the mileage you drive will reduce an insurance premium significantly.  Understanding your annual mileage is imperative and remember that annual mileage can change with circumstances.   You can’t be accurate if you don’t know for sure!

Second Driver for Under 25s - Can smooth out the average risk and in some but NOT ALL circumstances reduces the premium.

Secure Your Car & Don’t Modify – If your car doesn’t have an alarm fit one.  If you make a change to your car other than adding security, you will be charged.

Tell Your Insurer of Changes of Circumstance – Imperative to tell your insurer of any changes of circumstances and includes moving jobs and house.  This will reduce the chances of a problem if you make a claim.  Trying to get insurance after you've had a policy cancelled due to a fraudulent claim is very difficult and expensive.