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The cost of car insurance can have a big chunk out of your driving budget, but it doesn't need to be that way. Listed here are 15 tips to assist you get your annual premium down.

1. Look around
The Association of British Insurers (ABI) reckons you can save as much as a next on your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.

2. Limit the number of individuals allowed to drive the car
The more folks who are covered by a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your kids off your policy when they manage to get thier own.

3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to cover towards any repairs that are claimed for). If you're prepared to improve this, you may get a decreased premium.

4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.

5. Accept a mileage cap
This will earn you a discount simply because cars that are on your way less often are less likely to be involved in an accident. AA Insurance reckons that accepting a 12,000-mile annual cap would earn a 5 to 10 per cent discount. A 5,000-mile cap can earn even more. This is very helpful for households with more than one car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by around 30 per cent.

7. Buy through the net
Many insurance providers offer a computerized 5 per cent discount for online transactions.

8. Consider downsizing
Cars that are worth less and have smaller engines qualify for lower insurance bands, which means they attract lower premiums.

9. Keep your car garaged
Keeping your car in a garage or on a drive rather than out on your way will take between 5 and 10 per cent off your premium.

10. Require an introductory discount
You may be eligible because of this, even if there isn't a number claims bonus but have driven a company car - or someone else's car - with a number claims bonus on its policy. Some insurers just give you a discount because they need your custom. And if you have built up a number claims bonus, say so.

11. Search for means of protecting your no claims bonus
Some policies allow you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium at the start, but it might save a fortune in the long run.

12. Have a dark box fitted to your car
That is where in actuality the insurer installs a tool that monitors how the car will be driven so that careful driving may be rewarded. You can also agree to curfews that limit what times of day you can drive. It works especially well for young drivers.

13. Boost your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of your premium.

14. Don't assume 3rd party cover is cheaper
Third party insurance may be the legal minimum, covering you against damage caused to other people's property and the cost of any compensation for injuries. However, this isn't always cheaper than fully comprehensive cover, which covers your personal vehicle as well, since the insurer can assume you care less about your car and are therefore more likely to have an accident.

15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - rather than within an annual lump sum - makes it seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.

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