There is no doubt that all drivers in the UK dread their renewal date for car insurance as premiums continue to move higher and higher. However, there are a number of simple ways to reduce your car insurance premiums to a level which reflects your risk and your annual mileage.

One of the best ways to reduce your car insurance premiums is to limit the mileage which you clock up each and every year. The more miles you travel each year, the longer your time on the road and obviously the more chance of an accident - reducing your mileage will immediately reduce your car insurance premiums. Using your garage overnight will also reduce the risk of theft and damage to your vehicle and obviously have an impact on your car insurance premiums. A higher excess is something which many people tend to avoid but if you are a careful driver this can have a marked impact upon your premiums.

However, one of the simplest ways to reduce your car insurance premiums is to pay the full insurance cover in one foul swoop on an annual basis. Many people do not realise the significant increase in their car insurance premiums purely and simply because of the fact they pay monthly. If you look at the small print of your insurance policy you would probably be astounded by the difference between monthly premiums and one annual premium. Each of the above suggestions will shave a little off your car insurance premiums and place more money in your pocket.

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