First, never accept the renewal fee that your current provider sends you. We know that it is convenient to renew automatically, but it is not usually the cheapest option. Always use a comparison service to find the best prices available to you. It will take about 5 minutes to enter all your information, but it could save you money. It also gives you the opportunity to play with your policy to find the best price, it could alter the excess and coverage levels to see if the price reduction in your policy is worth it. Just make sure you have everything you need for your peace of mind before committing.
Consider protecting your non-claim history
If you have accumulated an extensive unclaimed discount, it may be worth protecting it. It may cost you a little more with respect to your policy each year, but it will save you a lot of time if you end up in an accident that is considered your fault. This can happen, even to the best drivers, so it makes sense to protect a good discount if possible.
Think about who is included in your policy
There is a common misconception that adding many people to your policy makes it cheaper. Although it may be true that adding one or two drivers with a good driving record can reduce your cost, it rarely makes sense to add more. Also, you should only add them if they are going to drive the car regularly. Consider carefully who should be a driver named in your policy. You can always add people for days at a time if you need it.
Protect your car
The price of car insurance is based primarily on risk. An insurer will consider the likelihood of being involved in an accident or having your car stolen and set the price of your policy as appropriate. The installation of a security device, such as an alarm, a locator or an immobilizer, will surely reduce the risk of theft. Therefore, it is logical that protecting your vehicle also reduces the share of your car insurance.