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Reductions to your car insurance premiums

These are factors which affect the cost of your car insurance.

Where you live
You might be the safest driver in the world, you may never have had a motor accident, been caught speeding, or been the victim of car crime, but if you live in the 'wrong' area, your insurance premium can seem unfairly high. The general rule is that if you live in a built up area in the centre of a large city you can expect your premium to be sky high. If you live in leafy suburbia, you can expect to pay less, and if you live on an almost deserted island insurance cover will probably cost you next to nothing!

Do not use your brother’s address when you purchase the insurance. It may get you a lower premium but if you have a claim the insurance companies will look for any excuse to declare the insurance invalid. Lying about where the car is kept is one of the commonest tricks and one that insurance companies will check out.

Your job
If you fill out your application saying that your occupation is 'racing driver' you can expect to see a few zeros added to the end of your premium. If you are a journalist or TV presenter you are also likely to be seen as a poor risk. Get a job as a nurse and your insurance premium will fall.

Your age
One of the advantages of getting older is that your insurance premiums fall. Once you reach the ripe old age of 25, insurance companies think that you have got rid of all that youthful exuberance that leads so many young drivers to have accidents and your car insurance premiums will start to come down. In fact, their research shows there is a marked drop in accidents among the over 25s. You might look in the mirror and think that you can pass for 40 when you are actually just 18, but if you lie about your age and have an accident you are likely to find yourself with no insurance cover at all. You'll be facing the potentially unlimited claims from the innocent victims of your foolishness.

Your car
This is obvious: if your car is worth more, it costs more to insure. However, if it's too cheap - less than £1,000 - then insurers worry about its reliability and will charge a little more.