Running a car can be an expensive business. So we've put our heads together and come up with some ideas that can help you save money on your car insurance.

An insurance broker will feed your details into their fully computerised quotation system, to get the best policy for you, from a wide range of insurance companies. In other words, they do the shopping around for you. 

The questions you'll be asked are all necessary, to ensure you get the best deal with the maximum possible discounts.

Theft is one of the main causes of car insurance claims. Fit your car with as many theft deterrents as possible. Steering locks, alarms, immobilisers, all help to put a thief off. The last thing they have is time on their hands, and they'd sooner pick a car without any obstacles. 

Some insurers now recognise the value of reputable makes of security devices, and vehicle tracking devices. So it's worth mentioning them, to see whether they will reduce the cost of your premium.

If you can garage your car overnight, your insurance costs may be lower. But do make sure you do put it away, for safety. In areas which insurance companies regard as high risk, this may be a condition of your policy.

You may earn a small discount if you take a course in advanced or defensive driving - the theory being that you are less likely to have an accident.

When asking for quotes, make sure you know what you’re getting. An alternative quote may be cheaper - but check that the cover is equivalent to your present policy, or that you’re happy with the differences.

Check the value of the car to see if it's still worth insuring Comprehensively. You could save money by opting for Third Party, Fire and Theft, provided you are prepared to accept the reduction in cover. 

Buy only the protection you need. For instance, if you insure the vehicle so that anyone can drive it, you will pay more than if you have "named driver only" policy.

Most people think that the maximum No Claims Bonus is 5 years. However, if you’ve had 6, 7 or 8 years without a claim, it's worth telling your adviser, because these extra years can get you a greater discount with some insurance companies.

Premiums are based on a huge number of factors, affecting the likelihood of you making a claim. Women, on the whole, pay less because statistically they are safer drivers than men. By the same token, young people pay a lot more because of the higher chance of a claim. Middle-aged people generally pay lower rates. Premiums for more elderly drivers tend to vary, dependent on the experience of the particular insurance company. Some give discounts, some charge higher rates. 

By using an insurance broker to arrange your insurances, you’re assured of a good deal, whatever your age and circumstances. Remember, buying your insurances direct from an insurance company means that your choice is severely restricted - they can only offer you their policies.

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