Ways to cut down on your car insurance

Not many drivers know this, but there are many ways to shave pounds off your car insurance premium. It's all a matter of knowing what the insurers look for.

Insurers take into account various individual characteristics when calculating your premium. The most common of these are your age, gender and how long you've been driving, but they are by no means the only things they will look at.

Many insurers will quote your premium based on the size of your engine, and the type of car you drive. They reason that faster, more powerful cars are more likely to be in accidents, and a larger car more typically has this type of engine.

Certain cars are commonly bought by young drivers, and 'boy racers', because of the cheapness of parts and bodykits, and the lightweight chassis. These cars will usually cost more to insure as the company will assume the car will be driven unsafely by a young driver.

It may be worth down-grading to a smaller car to save on not only your car insurance, but also your fuel costs and road tax.

Where your car will be parked can also have an influence on your premium. It goes without saying that the area in which you live in is taken into account, but also whether your car is kept on a public road, a driveway, car port or garage. A garage is by far the safest option from an insurance point of view. Remember, if your car will be offroad for an extended period, declare it SORN and you won't need insurance for it at all.

Keeping your mileage low will help keep your premiums low too. The logic behind this is, the less you're on the road, the less chance you have to be in an accident. If your mileage is extremely low you may want to consider pay-as-you-drive, which can lead to a substantial saving.

Even your job has an effect on your motor insurance. Those who work in high-profile, high-paid jobs usually have higher premiums to reflect this. Additionally, if your job involves a lot of driving, this can reflect in a higher premium.

Finally, your past driving history can mean a much cheaper car insurance quote. If you go for a year or more without making a claim, you could be entitled to a no-claims bonus, and if this accrues it can save you up to 75% off your premium.
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