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Car insurance can be very expensive, so motorists need all the help they can get to keep premiums down - this article provides a selection of top money saving tips.

Car Insurance - top tips to keep costs down. Part 2

Author: Anna Richardson

1. If you've only just passed your test, you could save money by improving your driving. Take Pass Plus lessons and you could save up to 35% on your premiums.

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   The lessons include driving in rush hour, on the motorway and driving at night, costing £15 - £30 an hour. Visit www.passplus.org.uk for more details. Taking a course with the Institute of Advanced Motorists ( www.iam.org.uk ) will also reduce your premiums.
   
2. If you're buying a new car then find out what insurance group ( medical insurance ) it falls into before you buy. There are twenty insurance groups with 1 being the lowest and 20 the highest, so if you're caught between two cars and one is in a lower insurance group, you'll save money by choosing it.
   
3. High spec and performance cars cost more to insure because statistically speaking, there's more chance of them being stolen or being involved in an accident. Save ( cheap loans ) money by choosing something a bit less 'racy'.
   
4. A speeding offence could affect your premiums. Most insurance companies will turn a blind eye to one fixed penalty fine but above that you can expect higher premiums.
   
5. If you've made it to that all-important four years of no ( bad credit loans ) claims, pay a bit extra to protect the discount, then it's safe.
   
6. Some insurance companies will give discounts for cars with satellite navigation as it has proved to help prevent accidents by enabling motorists to concentrate on the road.
   
7. Having an engine immobiliser or alarm fitted could lower your ( car insurance ) premiums by 5 - 8%.
   
8. If you've got more than one car registered at your address, you can get extra savings by insuring them all in one policy.