1. Shop around - Prices vary from company to company, so it pays to shop around and compare the prices and the details of the cover.

2. Check Insurance costs before you buy a car. Avoiding cars which cost more to insurance will save you money from the start.

3. Ask for Higher Deductibles or Excess.

4. Avoid Comprehensive Cover for old cars. If your car is worth less than 10 times the premium, purchasing the fully comprehensive policy is not a good idea.

5. Buy insurance from the same company which sold you insurance for other types of cover, e.g., Home Insurance, Car Break-Down Cover, etc.

6. Maintain a Good Credit Score - the insurance companies are checking credit scores of applicants.

7. Check if there is any Low Mileage Discounts.

8. Maintain Good Driving Records and build up no-claim Discounts

9. Get special discount by passing higher driving certificates.

10. Keeping the car in the garage or on your own drive way can save money.

11. The Insurance Rates also vary according to where you live. Inner city areas are usually expensive for insurance.