If you only use your car for a limited small amount of miles, a limited mileage policy may be your best choice. Taking an advanced driving course such as the Pass Plus Scheme will increase your driving skills, make you a safer driver and many car insurance companies will offer a discount off your premium once completed. This discount can be up to 30% which is a massive saving.

It’s also worth considering purchasing a diesel as a diesel engine on a like-for-like model will produce less CO2 emissions. Lower CO2 emissions will result in greatly reduced road tax premium. A diesel will also be more economical at the fuel pumps, although more expensive. It’s not always cost effective to purchase a diesel, especially for those that do not cover high mileage each year.

Keeping your car parked off-road, ideally in a garage will go a little way to keeping your premium down as will purchasing a car with a alarm or immobilizer. Choosing a car that is only 3 – 4 years old is less likely to break down than an old model.

When you are getting a car insurance quote, ask the provider about voluntary excess. For example, if your car is involved in an accident and it is your fault, you will need to pay the voluntary excess. The higher the voluntary excess you choose, the less your insurance premium will be. A fashionable or desirable car is likely to cost more to insure as it is at a higher risk of theft.