1. Shop around for the best deals. Insurance broker Swinton found recently that motorists can save more than £115 when renewing their policies, but they need to obtain at least seven quotes to get the best deal, although most people get only three.
Be careful though. Frances Browning at Churchill Car Insurance says, 'When shopping around for car insurance, it's important to make sure that you are comparing like for like cover. Some policies may seem cheaper, but you may find you don't have the same level of cover when you have to make a claim.'
2. Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car.
3. Protect your no-claims bonus. This may increase the premium by a few pounds, but this fades into insignificance against the potential loss of a 60% discount on a premium of several hundred pounds. But the definition of a protected no-claims bonus can vary widely between insurers. Though accidents caused by another driver will normally have no impact on such a bonus, those caused by the insured could.
4. Increase your voluntary excess. Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered.
5. Fitting an approved alarm, immobiliser or tracking device can attract a discount of around 5%.
6. Agree to a mileage restriction. The fewer miles the car covers, the greater the saving. For example, a reduction in annual mileage of 5,000 miles could save a typical 35-year-old female driver about £50 a year in premiums. A cut of 10,000 miles a year could save more than £100.
But you must be honest about your annual mileage, as innacuracy will jeopardise any claim. And Sally Leeman of Norwich Union adds: 'Check your use cover - if you don't use your car to drive to work or for business you may be able to get a cheaper rate.'
Norwich Union has even introduced a 'pay-as-you-drive' scheme aimed at younger drivers using a "black box" device fitted inside cars.
7. Don't add a young, inexperienced driver to your policy, as it's a false economy. The premium will still be calculated on the youngest driver and he or she will not have a no-claims bonus.
8. If you decide to change your car, check with your insurer if the model will have a significant effect on the premium. Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favour. It will also probably save you on petrol too!
9. If your garage is full of junk, clear it out and use it for your car. Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your premium.
10. Drive more carefully. We all know having accidents Join the Pass Plus scheme or take an advanced drivers' course. Both offer discounts - up to 35% - from some of the major insurers.