Four ways to save up to £1,046 on car insurance

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As premiums rise, Sophie Christie offers some easy shortcuts which can ease the financial strain

he cost of car insurance has risen to its highest level in five years, with motorists forking out £641 a year on average.

While premiums are rising for everyone, it is older drivers who are hardest hit. Since 2010, prices for those in their 60s have risen by 31pc, and by 49pc for drivers over the age of 70. For those aged 23-29, the figure is just 12pc.

A number of factors have been blamed for the dramatic increase in prices.

Insurance Premium Tax has doubled since 2015 to 12pc, and a recent formula change has upped payouts for those who suffer longterm injuries. These costs have been passed on to customers.

However, there are ways to cut the cost of cover, which could, altogether, save drivers an impressive £1,046.

It’s worth remembering that not all insurers come up on comparison websites. Aviva and Direct Line choose not to appear on sites including comparethemarket and gocompare, so make sure you check their individual sites separately when you come to renew.

Haggling with your car insurer can slash your bills by an average of £64, and is easy to do. If the price of cover has gone up, ask them why and tell them that you have found a cheaper quote elsewhere. Ask the insurer to match this cheaper quote; if it doesn’t, ask for the lowest rate it is prepared to offer to keep you as a customer. accident-prone than others.

Of course other factors, including age, type of car and driving history are also considered. But none of these factors can be “tweaked” in order to get a better deal.

Your job, on the other hand, can quite legitimately be described in a number of ways. For example, insurers will typically give a cheaper premium to a “care assistant” rather than a “nurse”, or a “factory worker” rather than a “machinist”.

Putting down “newspaper reporter” instead of “journalist” will also chop money off your bill.

Drivers now face average car insurance premiums of £641 after recent rises

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