When driving a vehicle in the UK, car insurance is needed, it’s compulsory by law. Don’t be loyal to your current insurance provider by renewing your premium with them for next year, even though the price has gone a little. The average saving for motorists when shopping around and purchasing a new policy from another insurer is around £200.

Enclosed are a few top motor insurance tips that will help to keep the costs down.

Your annual mileage can make a difference. Put down the accurate mileage rather than guessing, this way you won’t overestimate and pay a higher premium.

Adding less named drivers on your policy should reduce the cost. Insurers don’t like lots of drivers on one policy.

Volunteering to pay more excess will get you a lower priced quotation. This basically means that you want to pay out more when you make an insurance claim.

Your no claims bonus is your secret weapon; if you have many years built up you can get a big discount. Make sure you have written proof of this discount. You can get it from your current car insurer; ask them to send it to you.

Always be honest and give accurate data, if you are found to be lying, you could be blacklisted in the future by many insurance companies.

Careful drivers will have a good no claims status and clean driving record. This puts you in a category of low risk, thus giving you a lower premium.

Paying for your policy upfront rather than monthly payments can save you money. Motor insurers can charge an average of 23% APR to some policyholders.

Keeping your vehicle safe and more secure will lower the price of premium get it locked away in your garage and get an alarm fitted.

Adding new modification may seem cool, but cars with modification to go fast with a supercharged engine will increase the insurance premium.