There are some steps that you can take before you take out motor cover that could help you save on your premium.
Buy a car that is a lower risk
High performance vehicles are usually classified as high risk by insurance providers and even more so if the regular driver is under the age of 25. Think carefully before buying a high performance automobile. If you are under the age of 25 make sure that you shop around for the best quote.
Get more than one quote
Insurance companies measure risk slightly differently but also have different products that might suite your needs better. It is advisable to get more than one quote from different providers to find out how you can save.
You can lower your monthly car insurance premium considerably by simply increasing the excess you pay on a claim. Make sure that you will be able to pay the excess if you need to claim.
Specifying a regular driver could also lower your risk profile and thereby lower your premium. On premiums where other drivers need to be specified, your risk profile will increase for every additional driver and subsequently your premium will too.
The more security measures you put in place for your automobile the lower your risk profile. This will then mean a lower premium. Discuss what discount you will receive by adding more security measures with your provider or broker.
Car overnight security
A vehicle that is parked inside a lock-up garage or in a secure complex has a lower risk profile than if it is parked on the streets or just fenced in. The added security has a very positive influence on your premium.
Area you live in
The area you live in can also have a higher car insurance risk profile and thus push up your premium. Thus you could lower your risk by moving to a different area.
Claim free years
The longer you are claim free for, ie. by driving your vehicle for more than one year accident free, the lower your risk profile and your premium will be.