Car Insurance 17 Top Tips to cut your premiums. Part 2

If you're under 25, try adding an older experienced driver as a named driver. But not too old - try to keep to drivers under 60. (Premiums start to rise ( mortgage quotations ) again after 60!) An experienced driver with a good driving record may help to reduce your premium.

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Offer to pay a higher accident excess. The average is about £100, but some companies are pushing these up in an attempt to offer a lower headline premium. If you increase you claims excess, your premium could well fall significantly.
If you have an old or cheap car, consider just getting 3 rd Party Insurance. Get quotes for comprehensive and 3 rd Party and weigh up the savings.
If you're aged between 18 and 21, consider pay as you go insurance. Norwich ( life insurance ) Union has introduced the first pay as you go policy, which charges you for the mileage driven. It charges more for the miles driven between 11pm and 6am. The system works through a GPS black box which is fitted to your car for a one off installation fee of £199. The box tells Norwich Union how far you travel and they send you an invoice every month.
Take more driving lessons. New drivers can cut their insurance costs by up to 35% by having passed Pass Plus lessons. These provide extra training for night driving, motorway driving and driving in rush hour traffic. Lessons cost between £15 and £30 per hour. (www.passplus.org.uk). Reductions will also be available if you've taken a ( mortgage quotes ) course with the Institute of Advanced Motorists (www.iam.org.uk).
Check out the insurance group for any car you're thinking of buying. New cars are categorised in to 20 insurance groups with 1 being the cheapest and 20 the most expensive.
High performance and high spec cars attract thieves ( cheap home insurance ) and are more expensive to repair so they always cost more to insure. Consider a car in a lower insurance group.
Try very hard not to speed! Most insurers will ignore one fixed penalty fine but after that your insurance will rise.
If you've got 4 years no claims discount pay the extra get it protected.
Get a Thatcham approved engine immobiliser or alarm fitted. It could save you between 5-8%.
Fit audio satellite navigation. Some insurance companies have found that audio satellite navigation can cut the accident rate by letting drivers concentrate on the road. Insurers will soon give insurance discounts if you have it fitted.
Got more than one car in the family? Some insurers will give a discount for insuring them all one family policy.