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Here are some ways to help you keep your costs down.

Safe and Sound

Be honest about how secure your car is and ask if fitting a Thatcham (insurance industry-approved) alarm will save you more.

And when you mention your no-claims discount, try reducing the mileage; cutting it to 6,000 a year, for example, could lower the premium.

What else works?

Don’t assume third-party insurance (where you’re insured against other people’s mistakes but not your own) will be cheaper. There are some insurers that won’€™t offer it, so the wider choice of fully comprehensive insurance offers can ultimately work out cheaper.