You may be surprised to know that in order to get the cheapest possible car insurance, you don't just have to be a good experienced driver with years of no claims bonus. There are many ways that can affect your insurance premiums which you may be unaware of. This post will give you the details on how to get the cheapest possible car insurance possible.

Your Occupation

Your job plays a significant role in how your insurance premiums are calculated. Did you know that Doctors are more likely to make a claim on their insurance than most other professions? Statistically there are more claims made by people in a medical profession, likely due to their long hours and highly stressful job playing a part in having more accidents while driving. On the other hand, car dealers and van drivers statistically have less claims on their insurance therefore benefit from a lower premium than most other professions.

This does not mean that you should put on your application for a car insurance quote that you are a van driver or car dealer but how you describe your job title can play a significant role in either reducing or increasing your premiums.

You might think that an Admin Assistant & Clerical Assistant are pretty similar jobs, but in the eyes of an insurer, there is around a £50 difference in the price you'll pay for car insurance between them.

By simply tweaking your job title, you can save money on your car insurance. Have a look below to see the difference in premiums between relatively similar job roles.

Before signing up for your car insurance provider it would be a good idea to play around with your job title if your job can be described using various titles. You might end up saving a lot of money for something very simple.

Your Car Make & Model

One of the most obvious ways to lower your car insurance premium is to get insured for a car that is in the class 1 insurance category. Generally the smaller the engine size of the car will be the cheapest on car insurance whereas expensive and modified cars will likely be higher due to their parts costing more in the event of replacement.

Here are a list of the top 10 cars for the cheapest insurance, this is a great option for teenagers and inexperienced drivers looking to buy their first car but don't want to pay the massive premiums on their insurance.
  1. Chevrolet Spark
  2. Citreon C1
  3. Fiat Panda
  4. Vauxhall Corsa
  5. Volkswagen Fox and Up
  6. Ford Fiesta and Ka
  7. Nissan Pixo
  8. Peugeot Partner Tepee
  9. Skoda Fabia
  10. Smart Fortwo Coupe

Install a Thatcham Approved Alarm & Immobiliser

Cars that come installed with either an alarm or immobiliser will normally benefit in reducing your car insurance quotes. Be sure to include them when applying for car insurance and if you don't have one installed, ensure you get a Thatcham approved one as this is what most insurers will recommend.

Install a Tracker

If your car gets stolen, having a tracker installed will make it much easier to recover. It can also help reduce your car insurance premiums.

Type Of Licence

Another factor that can affect your insurance is the type of licence you have. Generally if you have more categories on your licence such as PCV and HGV you may be seen as a more experienced driver and benefit from some additional discounts. Younger drivers can also benefit from sitting their pass plus test after passing their initial practical test.

The types of licences the insurers will normally ask you for are:
  • Full UK Manual
  • Full UK Auto
  • Full UK IAM
  • Full UK Pass Plus
  • UK Provisional
  • Full Euro
  • International Licence (Exchangable)
  • International Licence (Non Exchangable)
How long you have held your licence will also play a part in determining how much your quote will be. Normally the longer you've held your licence the better your discount will be.

Your Address

Where you live and where your car is parked overnight can significantly change how much your car insurance premiums will be. If you live in an area that statistically has a higher crime rate then you'll likely pay more for your car insurance as there is statistically a higher chance of you making a claim.



Did you know that by adding a named driver to you car insurance policy can reduce the overall cost of your premium? This is a particularly effective way of reducing the insurance premiums for new and young drivers who don't have the necessary experience to benefit from other types of discounts.

By law you are required to provide your insurance company with all the correct information they require in order to assess your premium. The information you provide them
will be used in various ways to assess how much your monthly or annual premium will be. However, many factors that affect your premium can be written in different ways which can be hugely beneficial to reducing your premiums. You may think that adding an additional driver to your policy will cost more, when in fact the exact opposite is true. Adding an experienced driver to your policy in most cases reduces the overall cost.

The additional driver could be a family member or friend who has more driving experience than yourself and as long as the information you provide on your application is accurate and true you can save up to £200 per year off your premium.

This works because your insurance company will assume you will be spending less time in the vehicle driving, therefore reducing the chance of an accident.


The growing popularity of forward facing dashboard cameras is allowing many people over the world the chance to save on their insurance. Some insurance companies are offering discounts up to 20% if you choose to have one of these installed in your car.

The advantage of having a camera installed in your car is that any accident you are in will be recorded and can be used as proof that you were not to blame. This can help you save your no claims discount in the event of a claim made against you.

There are several types of dash cams available and most insurance companies who offer the discount will arrange to have it installed in your vehicle at no extra cost to you.


There are multiple factors that will affect your car insurance premiums, some are obvious and others are not. We've listed the top 10 factors that can affect your car insurance premium which can help you understand exactly how the insurance companies will either lower or increase your premium.

    One of the biggest factors when assessing your insurance premium is the age of the drivers who will be driving the vehicle. It is more likely that the younger you are, the higher your premium. This is due to the fact that younger drivers generally have less experience in driving than someone who is older.
    Drivers who have more years of driving without making a claim on their insurance usually benefit from what is known as a "no claims discount". The more years you have driving without having claimed for any accidents, the lower your premiums will be.
    The area you live in also contributes to the assessment of your car insurance premium. Areas with a low crime rate are likely to be beneficial to your premiums by making them lower. This is the opposite for areas with a high crime rate as there is an increased risk that there will be damage to your car, therefore your premiums will likely be higher.
    The more expensive and modified your car is the likelihood your premiums will be higher to compensate for any claims made. An expensive car will likely cost more to fix in the event of an accident, whereas a cheaper car will be less expensive and may reduce your premium costs.
    You can save a huge amount on your car insurance by parking your car in a locked garage overnight. This is the safest option and will likely reduce your premiums. The next best thing would be in a driveway and then on the road outside your home.
    Obviously the more you drive your car, the more chance you have of being part of an accident. Your annual mileage will play a significant role in determining your insurance premium price. The lower your annual mileage the lower your insurance and vice versa.
    When assessing your insurance premium you will be asked how you use your car. Using your car for social purposes and a low annual mileage will likely result in a lower premium. Whereas if you use your car to commute to work each day will likely increase your premium.
    You may not be aware of this but adding additional drivers to your premium may actually reduce your overall insurance costs. Adding a driver with more driving experience to your insurance policy will likely reduce the costs and is a common way to reduce the price for teenage drivers.