Your premium is based on a number of factors, including your age, where you live, the type of car you drive, your occupation, where your car is maintained, which is used to and if you have been convicted of motoring offenses.
Often you can reduce your premium by paying a higher excess, which is the amount you have to contribute to the cost of a claim made.
Young people, in particular, face high premiums due to increased risk of accidents that lead, and some may be tempted to cut corners to get a cheap deal.
However, the Department of Insurance Fraud Control (IFED) has warned motorists to be on guard against "ghost riders" who sell fake insurance.
They prey on those who pay the high premiums (usually young men), offering cheap deals online, on the road or in restaurants.
Always make sure your insurance company is regulated by the Financial Conduct Authority.
No-claims bonus
For each year that does not make a claim on your car insurance, you will earn a no-claims bonus year. This no-claims bonus results in a reduction of renewal, despite a reduction in the premium is not always guaranteed to be a change in your circumstances or markets.
Often this will remain intact if you make a claim for an accident that was not your fault. Always notify your insurance company accident you're involved in, even if you do not make a claim.
With RAC car insurance, you can get up to 70% off your premium if you have not made a claim for more than nine years.
Specialist policy
Sometimes the insurance needs of the people are different, and if your car is particularly unusual, you may have a policy specialist as classic car insurance or classic American car.
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