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Saving on insurance costs - Running a Car

Insurers have a perfect driver in mind when they're offering quotes, but having a sex change or moving house to cut your premiums isn't always possible. Try these pointers instead.

• Shop around. It might be time-consuming to repeat your details to several providers but you could save lots of money. Try an online comparison service.

• Resist the temptation to add your children to your own insurance. They won't build up no-claims discounts, so will just be delaying the expensive early years until a later date.

• Adding your parents as named drivers to your policy can cut premiums.

• Agreeing to pay a higher excess should you need to make a claim will bring the cost of cover down, as will agreeing to a limited number of miles each year.

• You might not be able to keep your car in a garage, but ask insurers what security devices they approve and how much of a discount they take off your premium.

• Paying up front instead of in monthly instalments is usually cheaper.