Car Insurance is notoriously expensive. It is also mandatory, so it is very important indeed that you get the best and cheapest insurance you can. Not all insurance is created equal, and some people will always pay less for their insurance than others. The question is, how do you become one of those people?

Essentially to get your premiums lowered, you have to convince your company that you are a low risk to them. One of the easiest ways to do this is to be a woman. This is a fairly hard condition to emulate if you don't meet it however, so we'll move on. The next simplest way to get cheap car insurance is to simply own a cheap car. Your Jaguar MK II is never going to be cheap to insure, but you might be able to get a good deal on a little hatchback. If the type of car that you own is not one that is stolen often, you are likely to get cheaper insurance rates.

Another simple way to get lower rates is to keep your car safe. A car alarm and garaging are two things that can actually lower your premiums. If you can manage not to have your car stolen, then you will avoid the premium jump that comes with making claims on your insurance.

Probably the best way to ensure cheaper car insurance is to maintain a clean driving record. Those tickets cost more than the fine, they lead your insurance company to view you as a higher risk. So driving safely and avoiding tickets is not only good sense health wise, its good sense financially.

Make no claims. That's right, if you manage to not claim on your insurance for a certain period of time you will often get a no claims bonus. No claims bonuses reduce the cost of insurance even further. If you drive safe and be sensible about the sort of car you own and keeping it safe, you should be able to qualify for affordable car insurance.