Shop around and avoid auto renewal as insurers don’t always reward loyalty, so there’s a chance the price they offer you will be more than what you paid last year.
Add a named driver with a good driving history, as this may lower your price. Just make sure whoever's doing the bulk of the driving is the policyholder, otherwise you may be guilty of fronting.
Pay annually rather than monthly as it can be as much as 16%5 cheaper to pay for your insurance in one go, rather than in monthly instalments.
Estimate your mileage accurately as over-estimating could increase your price. The average mileage is about 6,621 a year5.
Increase your voluntary excess as the more you're willing to pay, the cheaper your policy is likely to be. But you should make sure you set it at a level you'd be able to pay if you needed. According to our data, the most common level of voluntary excess is £250*, with 62% of customers opting for this amount.
Consider pay per mile insurance, also known as pay-as-you-go car insurance, as these policies bill you only for the miles you drive. If you drive fewer miles, you could see a lower price.
Park in a secure place as parking in a secure garage rather than on the road means your car is less at risk of theft.
Improve your car's security with an immobiliser or a car tracker. Most modern cars already have an alarm or immobiliser fitted, but it's always good to double check.
Get a car in a lower insurance group as cars in high car insurance groups can be more expensive to insure than those in lower ones.
Avoid cars with modifications as most are likely to bump up the cost of your insurance.
Consider black box insurance or a telematics insurance policy, as these monitor how you drive to calculate a driving score. The better your score, the lower your insurance could be at renewal.
5Based on Confused.com data December 2022 - April 2023