Best Tips on how to choose cheap Car Insurance First - Don't be too loyal. Guess what.  Most insurers give a great deal for new customers but make big increases in the second year.  Sometimes they are not cute enough to know if you apply as a new customer and will quote a cheaper rate than your renewal. Shop around Keep moving your business for cheap car insurance. Get quotes online as well as by phone as internet quotes can be more than 10% cheaper than phone quotes. Haggle every time.  It's your money!  Some insurers will match or beat other quotes. Pay a bigger excess for cheap car insurance By paying a bigger excess you can reduce your annual car insurance premiums. This is the amount you have to pay towards a claim. If you have a claim it means you get less back, but if you are lucky enough to be claim free after 2 or 3 years you could have saved a whole annual premium. Avoid expensive extras you may not need For cheap car insurance go for basic policies - for example with no courtesy car, rescue and recovery, home start, etc. Car valuation If you overstate the value of you vehicle you are wasting your time.  Most insurers will pay only the current market value of your car if it's written off. No-claims? All insurers offer no-claims discounts. The size of discount varies but after one year of no-claims you usually save around 30% (see above). Watch your mileage It s always better if you genuinely don't drive too many miles a year. If you are below 10,000 miles you could get an extra discount. Also, if you don't commute this may lead to extra savings too. Pay in one go Pay in one go if you can.  If you spread payments over the year some schemes are as expensive as a credit card. Add another driver Adding an experinced second named driver living at the same address may reduce your car insurance premiums if they have a good driving record. Enhance your skills For cheap car insurance it may be worth taking the Advanced Driving Test. Some insurers offer a discount on your car insurance if you take further training. Car security If your vehicle has extra security features, such as an alarm or immobiliser, this can be a good way to achieve cheap car insurance by cutting your premiums. However, always check with your insurer about what will qualify for a discount before you install it.  Even measures like parking on you drive or garaging every night can result in savings. Remember also.. Theft from cars is far more common, as these crimes are invariably perpetrated by opportunists. The Police advise against leaving your belongings on display or leaving tell-tale signs such as sat nav holders.  And it sounds obvious but don't leave your keys in a vulnerable place.  Insurance Brokers An insurance broker can be a good alternative for cheap car insurance.  Some people, especially young drivers or those with sports cars or other high-risk vehicles can benefit from expert help.