With the streets of Britain teeming with reckless drivers, it’s in your best interest to get car insurance. In certain states, you are required by law to obtain automobile insurance. So even if you consider it excess baggage for your financial budget, you have no choice but to get it.

However, there are certain steps you can take to save money on your car insurance. This article aims to give you the inside scoop on how to spend less on your car insurance. The first and most important element that affects your auto insurance rate is your driving record.

If you have been driving for a long time and have a relatively clean driving record, then you can get cheap car insurance. Safety measures like airbags, automatic seat belts, car alarms, and brakes can help you save those precious pounds. Approaching the same insurance company that has your other insurance accounts also helps you get discounts.

Additionally, staying with the same insurer beyond a year may also make you eligible for discounts. Your premium rate can be lowered considerably if you offer high deductibles, which are nothing more than the money you pay before you file an accident claim. Since flashy new cars have high maintenance values, insurance on such cars is also very high.

Mileage also plays an important role in determining your auto insurance premium rate. Less is your mileage count; the lower your insurance premium will be. Another way to save on your car insurance is to avoid double health coverage. If you already have enough health coverage, then you can avoid hitting it with your auto policy. You can also get great discounts by availing of group insurance policies. Find out about such policies where you may be eligible for good discounts if you join the policy as a group.

The safest and most reliable way to avail cheap car insurance is to shop around for various car insurance offers. Compare offers from a couple of companies before deciding on your auto insurance policy.