Never assume that loyalty is rewarded by cheaper car insurance.
Car insurance companies often offer great deals for new customers but make big increases in the second year.
An example of this is the insurance on my wife's car which was due last week.
12 months ago she got a great deal on her motor insurance and this time around they wanted 20% more.
A quick search showed that as a new car insurance customer the price would be 18% less.
Consider buying online The best deals are often to be found online as it is a lot cheaper for the companies and discounts for online insurance purchases can be as high as 20% Don't rely on comparison sites always offering the best deals on car insurance.
The likes of moneysupermarket, confused etc are paid a commission if you take out car insurance through them and not all companies use them.
A recent example of a deal which was not available on comparison sites was from a Car insurance who offered all new customers a £40 gift card but the terms stated the offer was not available for customers using comparison sites.
Also remember that companies like Direct Line only deal direct so their insurance offers are never available on comparison websites.
Pay a bigger excess if you really are after cheaper insurance.
(but if you have an accident prone history you might want to ignore this one) By paying a bigger excess you can and will reduce your annual insurance premiums.
Car valuation When you enter the valuation don't value it at more than it is worth as should you have an accident where the car is written off the insurance company will only pay you the market value.
(don't undervalue the car either)