1. Ensure you're getting the correct cover
Insurance premiums depend on the insurer, the level of cover and how risky you're perceived to be. Therefore start by defining your cover and ensuring you’re as low a risk as possible.
2. Beware monthly payment plans
Beware 'pay monthly' options - usually the insurer actually just loans you the annual cost and then charges interest at hideous rates on top. So either pay in full, or if you can't afford it, use a credit card with a lower APR rate.
3. Tweaking your job description to save money
Insurers decide prices depending on historic risk assessments, and your occupation plays an important part in this.
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