We all want the best quality car insurance for the lowest price. But with so much choice and a lack of understanding about how motor insurance is priced, most of us either take the path of least resistance and renew with our current insurer or just end up paying too much and hoping for the best.

Well, if you’re looking to get lowest premiums possible - without sacrificing the level of cover you want - there are some little-known tricks you can use. Ask yourself these five questions before you get any quotes…

One of the factors that affects your insurance premium is the amount of driving that you do. The more you drive, the more you’ll pay. Keep in mind though, that the premium rises kick in at specific levels, so pay attention to the numbers that you enter when applying for car insurance online. Where it asks you to estimate how many miles you drive in a year, round DOWN from the nearest thousand - 9,900 instead of 10,000, for example. Chances are that you’ll shave a bit off your premium.

3.How do you pay for your car insurance?

5.Can you improve your driving skills?

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The newest trend in car insurance is in ’specialty’ insurance policies and companies that cater to specific demographics. Insurance companies base most of their pricing decisions on statistics. Do you belong to a group that statistically has fewer accidents than the general public? Do you belong to an organization, club or group that may have worked out a special deal with an insurance company? You may get lower premiums with some companies because you’re a woman, or because you’re over 50, or because you save with a particular bank. So, think about which companies you already buy from and use this to your advantage.

posted by Administrator at 2:32 am & filed under Dollars |