If you can not afford to pay in full check out what rate a small loan would be you may still save some money.Put your spouse as a named driver.Look after your credit rating.Buy from the internet.By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments.Although this will increase your insurance premium if you have a lot of years of no-claims you may want to protect this as a small claim may increase your premium by up to 75%.Try and work out how many mile\\\’s you will do if it\\\’s likely to be less you may get a discount.Take pass plus.Build up your no-claims discount One of the biggest factors affecting your car insurance premium is the number of years no-claim\\\’s discount.If you are a new driver consider taking your pass plus.Lower your annual mileage.Young driver\\\’s add a older driver.Join a car club.Most insurance companies also do other insurance products ie\\\”Building\\\’s and content\\\’s insurance\\\”.Insurance companies are now looking at your credit score as part of the calculation for your insurance premium.20 Tips to cheaper car insurance.If your vehicle is a classic or specialist consider joining a club related to your car most clubs offer insurance schemes which have very good premium rates.All insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you.This rates vehicle\\\’s from 1 – 20 generally speaking the higher the group the higher the premium.Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.You need to remember that with this type of cover if you was to have a accident that any damage to your vehicle would not be covered for repair.Maintaining a good credit rating could avoid unnecessary additions to your premium.Pay your insurance premium in one go.Fill out a online loan application Increase your voluntary excess.The more years you can stay claim free the safer driver your insurance company will see you as.Some insurance companies offer discounts when you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.25% discount and when you have just passed your test and have no no-claims this could make a considerable saving.Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.Adding extra value to your car when you apply for your insurance quote will do nothing for you apart from increase you premium.You could receive up to 75% discount for around 5 years of no claims.If you have a young driver on your insurance policy that no longer use\\\’s the vehicle you should remove them as this will reduce your premium.You may even receive a discount for paying in full.Most insurance companies adopt the Association Of British Insurance Group Rating.Be honest about this as your insurance company may ask to see old MOT\\\’S and service history to verify your mileage in the event of a accident.Take the advanced driving test.Some insurance companies may charge as much as 15% APR on instalments.If your vehicle is of a low value then you could consider this type of cover.Protect your no-claims discount.Third party only is the minimum cover you are required to have by law it\\\’s also the cheapest.Buy extra products.

Insure your car Third Party Only.By shopping around you could find big savings on your insurance premium.Click here to get a instant online insurance quote Shop around.Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.Don\\\’t inflate the value of your car.Theft of and from your vehicle play a major role in the calculation of your insurance premium.Keep a clean licence Insurance companies take driving convictions very seriously and can dramatically increase your car insurance premium,by maintaining a clean licence proves to the insurance you are a safe and careful driver.In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.Lowering your annual mileage can reduce your premium,most insurance companies will quote you for around 12,000 miles a year.Car insurance premiums rise year after year,Although your car insurance premium largely depends on your Car, Age and discount there are a few steps you can take to help stop the rise or even reduce your premium.Most companies offer a discount for online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.By buying a car with a lower group rating can lower your premium especially for young or inexperienced drivers.Remove any unnecessary drivers.Buy a lower insurance group car.Passing your advanced driving test will show your insurance company that you have extra skill when driving and are less likely to be involved in a accident.A very important factor to your insurance premium is what car you drive.Have a Alarm,Immobiliser or Tracker fitted.Some insurance companies will reduce young drivers premiums if they have a older named driver on the insurance.

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Gab Emman