Donavan Insurance Group

How you can use car insurance firms' own tricks against them to lower your car insurance premium and get a cheaper quote - 6 secrets revealed

Sometimes car insurance premiums make sense. People living in places with more car crime or who have more expensive cars pay more, for example. But they're far from the only thing insurers up your premium for.

Insurers have gone as far as working out surgeons normally have more accidents where they were to blame than any other profession and building society clerks the fewest. They know Virgos were worst for accidents last year, but Pisceans had more convictions.

That means they will up your premium based on age, sex, job, post code and where you park as well as what you drive.

But car insurance providers don't have to have to have it all their own way – we’ve found six ways to get cheaper car insurance that they’d really rather you didn’t know.

1. Use the right job title

If you describe yourself as a “chef” when filling in your car insurance application your average quote is £98 higher than if you write “kitchen staff” comparison site GoCompare.com found – and it’s not just cooks that have this problem.

1. Add another more experienced driver to the policy

It’s a crime to say someone who isn’t the main driver of a car is, but adding a secondary driver is perfectly legal - and more than that, it can save you money.

1. Never leave it till the last minute

Searching around and switching car insurance three weeks before your renewal date, rather than on the day, saves you an average of £280, comparison site Comparethemarket found – with even bigger savings available for younger drivers.

1. Get some cash back

Comparison sites make money because when you switch products with them they get a referral fee from the insurer. But if you’re clever, you can get that money yourself.

1. Pay up front

Did you know that many insurers charge interest on your payments if you spread the cost over the year? Well, they do. an average of £62 more Moneysupermarket worked out. So if at all possible, pay up front.

1. Cut your extras and boost your excess

What’s included in your car insurance quote? Breakdown cover? Windscreen cover? Theft from the car? Driving abroad? Personal accident cover? A courtesy car? Every extra adds to the premium. More than that, a lot of them might already be covered by things like your travel insurance, AA membership, home insurance or even your bank account.

Our mission is to protect and enhance the financial resources of our clients, thus ensuring their security and quality of life, by providing sound professional management service.

Donavan Insurance Group Services Inc. was established in 1986 as an independent insurance agency with a reputation for Superior Service. Donna Martin-Boseker, who has been in this industry since 1976, had previously worked in the agency when it was known as Domex Insurance. She purchased the business in 1986 and renamed it Donavan Insurance Services Inc. We represent the best interests of our clients and tailor solutions for their specific insurance needs. We offer a broad portfolio of insurance carriers with highly competitive rates. Our coverages include all forms of business and personal insurance.