By MICHAEL CHALLINER

Limit your Mileage
If you know reasonably accurately the mileage you are likely to drive next year, get a policy which limits the cover to just the number of miles you know you’ll need. You might find that’ll give you a good saving. But remember, if you exceed the mileage limit, you are not insured.

Make sure you protect your no-claims discount
If you’ve built up a decent no-claims discount, don’t put it at risk. Don’t risk losing it after an accident, it’s far too valuable. Add no-claims protection to your policy. It’s unlikely to cost much.

Drive slower
We know it’s hard, especially with all those roadside cameras around, but try your hardest to keep a clean licence. Persuade yourself to drive slower! Even three penalty points are taken into account when the insurance company in calculates your insurance premium.

Shop around every year
When your annual renewal notice arrives, shop around. Just because you got a cheap quote last year it doesn’t mean that the same insurer will continue to be the cheapest. Insurers are constantly changing their rates. So it’s still likely that you’ll find a lower premium. Time spent on the Internet will be well spent. Research shows that the cheapest premium could be half the price of the most expensive.

If you want to cut the hassle, go to our car insurance page where we’ve whittled down the insurers to the cheapest for each category of driver. So, if you want a general quote, or a specialist quote for a young driver, high performance car or a quote for a lady driver, mature driver or careful driver, or a classic car etc, Click Here