Getting the best deal on your car insurance does not mean that you have to forgo the security of being covered by a well-known insurer. There are many ways of tailoring the policy and considerations you need to make to provide the cover you need at a lower cost.

1 Excess
All policies have an 'excess' – that is the amount you will have to fork out if you make a claim on your car insurance. It can range from £50 upwards. However, choose to pay an additional excess on top of the compulsory excess and you'll pay a lower premium.

2 Residence
If your car is garaged overnight or on your driveway, you'll pay a lower premium than if it was left in the street.

And those who live in the country will pay less than someone living in an inner-city.

3 Grouping
While you may be able to pick up a second hand Porsche at a bargain price, you'll more than make up it for the cost of insurance. Check out the group - the lower the group number, the lower the premium.

4 Drivers
Limit the number of drivers on your vehicle and you'll get a better deal on your insurance.

5 Age, sex and occupation
These can all have an effect on your premiums, as can part-time jobs.

6 Modifications and security
A modified car will attract higher premiums.

Check the security levels on your car: immobilisers, a steering lock, and a detachable stereo could help reduce your premiums.

7 Shop Around
Don't automatically accept your current insurers' quote at renewal time – shop around. Use our directory of car insurance providers to find the best deal for you.

About the Author
Motor Car Loans an automotive resource guide for those looking to buy, insure , sell or in fact do all most anything with a car. Sign up to our free car insurance course, send an email to motorcarloans@getresponse.com