Car Insurance is a legal requirement in the UK. Each vehicle if it is to be used on the public highway needs to have at least 3rd party insurance.

Car insurance is based on risk. It does not take a rocket scientist to understand that the more a specific driving group (based on age, gender, car type, location) claims, the higher the car insurance bills will become!

Young drivers tend to find their car insurance costs are often higher than the cost of the car they are trying to insure. Young drivers can reduce car insurance costs by taking a Pass Plus course.

Advanced Driving Course - Driving Experiences - Car Data Check

 Direct Line: Named drivers can earn their own named driver no claims discount.

HSBC Bank: 90 days cover when you use your car to travel to the EU.

KwikFit Insurance: Up to 20% discount for buying online.

Barclays Insurance: 10% discount for buying online

 Churchill: Discount for buying online:

 Norwich Union: Click Yourself Happy:

Advanced Driving Course - Driving Experiences - Car Data Check

Tips on reducing car insurance.

You can save lots of money on your car insurance by taking note of the below tips!

1. Shop around - let insurance companies fight for your business.

2. Increase your excess - You will have to put a greater sum towards any repairs, and will get less if your car is stolen/written off but is a good way of reducing your insurance costs.

3. Drop the hire car - If you don’t need a hire car when your car is being repaired, don't bother, this will help reduce your insurance costs.

4. Take a advanced driving course - Not only do advanced drivers claim less, some insurance companies will give a discount for people who have passed an advanced driving test.

5. Get security - You can expect a discount on your insurance if you have an immobilizer and/or alarm fitted. If you own a high performance car, then they may require this before they insure you - some will even require a tracking device to be fitted.

6. Go green - Smaller cars with small engines are less to insure than their faster counterpart - hot hatch models are a fine example of this. Sometimes a GTI model can be up to four times more expensive to insurance than a basic model. Always be aware of your car insurance group. This starts at group 1 for low risk cars, and goes up to group 20 for high risk, high performance/expensive cars.

7. Limited mileage - If you do less than say 5,000 a year it may be worth looking for a policy that gives a discount for limited or agreed mileage.

8. Classic insurance - If your car is over 20 years old, it may be worth considering opting for a classic policy as often substantial saving can be made here.

9. Owners clubs - If you own a classic, consider joining an owners club as they often have a selection of insurance providers who give discounts for your type of car, and because you are part of an owners club.

10. Drive safely - Safer drivers crash less and so claim less. If you want to build your no claims bonus and enjoy lower insurance costs, make sure you keep within the law and stay safe! Use of resource section of our site to get free hints and tips to improve your driving.

Advanced Driving Course - Driving Experiences - Car Data Check