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1. How much do you drive?
One of the factors that affects your insurance premium is the amount of driving that you do. The more you drive, the more you’ll pay. Keep in mind though, that the premium rises kick in at specific levels, so pay attention to the numbers that you enter when applying for car insurance online. Where it asks you to estimate how many miles you drive in a year, round DOWN from the nearest thousand – 9,900 instead of 10,000, for example. Chances are that you’ll shave a bit off your premium.

2. Where do you buy your insurance?
Most major insurers will discount your premium by as much as 10% if you buy your insurance from them online. It saves them money and time, after all, so they can pass the savings on to you. In addition, if you already pay for home insurance or life insurance, your current insurer may give you a discount for keeping it all in the family, so to speak.

3. How do you pay for your car insurance?
Most people know that if you pay for your annual premium all in one go, you’ll save money. When you choose to pay in monthly installments, some insurers charge you interest. Did you know, though, that you can also save money if you agree to pay in installments by direct debit? Check with your insurer to find out if they offer a discount for agreeing to pay your car insurance by direct debit or automatic credit card charge each month. It can work out nearly as cheap as paying it all up front.

4. Am I special?
The newest trend in car insurance is in ’specialty’ insurance policies and companies that cater to specific demographics. Insurance companies base most of their pricing decisions on statistics. Do you belong to a group that statistically has fewer accidents than the general public? Do you belong to an organization, club or group that may have worked out a special deal with an insurance company? You may get lower premiums with some companies because you’re a woman, or because you’re over 50, or because you save with a particular bank. So, think about which companies you already buy from and use this to your advantage.

5. Can you improve your driving skills?
Even if you’ve been driving for decades, taking an advanced driving course can lower your premiums for years to come. Anything you do that reduces the risk to the insurer will lower your premiums, so check with your insurer to find out how much you can save if you enroll in and complete a course in advanced driving.