With the recent increase of premiums consumers are continually looking for ways to save money on car insurance costs, which are one of the most expensive aspects of owning a car.

We cannot avoid car insurance because it is a compulsory and legal requirement in the UK to have one before you drive your car on the road. You stand to get stiff fines from the Courts if you are found driving without insurance.

The law only requires you to have a third-party cover. This means that if you are involved in an accident the insurance company will only pay damages and injury pertaining to the other people involved. Your car damages or your personal injuries are not covered. The third-party cover is perfect if you are driving an old or a cheap car.

However if you have a good expensive car or a new car it doesn't make sense to have it on third party cover. In case of an accident the repair bills can end up being excessive for you to meet from your pockets. These kind of cars are best insured through comprehensive insurance which is more expensive.

So what can we do then to enjoy cheap car insurance in the UK? There are many things you can do to lower your insurance costs and save money. Check with your the insurance company to see if they offer discounts on the points below. If your particular company doesn't offer the deals then research online for the companies that consider giving these discounts.

Having a good recommended anti-theft device will certainly get you a discount from your insurer.
If you pack your car away from the road in a garage or driveway you will attract a cheaper policy.
You can enjoy overall cheaper rates if you have more than one car. Get an advanced driving certificate and most insurers will consider you of a less risk and reward you for it.

Paying annually can save you on the total cost of the insurance.
If you have multiple insurances like a householder or homeowner policy you will enjoy further discount.

A woman has a lower quote and in a home it might be better to have the policy in the name of the female member of family.
How often you use your car is important, if you use your car only over the weekends you will make further savings in the amount you pay.