This may sound daft but does anybody know any "tricks" to get cheaper car insurance...

Ive been told different things like, tell them u only do 5000 miles a year and that your car is garaged etc etc but do any of these actually work??

you mean lying to an insurance company?!

No not lying but bending the truth lol

I'd never lie to insurance company, its obviously not worth it

put a female on the insurance such as ur mum also putting a partener on helps makes you more resonsible in their eyes.

On the gargae no point if it aint cos if it gets nicked from home overnight u may not get paid out and the milage has to be what u do or again no payout if it all goes wrong

Like Dave said add a female driver to your insurance and it will make a difference.

There is no point lying when it comes to insurance. Insurance companies will try almost anything not to have to pay out. If you are worried about the insurance price try to keep any mods to a minimum as it can make a big differene to the amount you have to pay.

As said, defo put a Female on as a named driver. I put my wife on mine even though she has had a claim, took £40 off the price .

As the others said. A female will help to reduce your premium. The other "tricks" aren't worth doing - if you know anyone who works in insurance you will understand that it isn't worth lying about. In addition, lying about miles and garage make very little difference to the price - is it worth risking, having your insurance invalidated?

DO NOT LIE to an insurance company - you're the one who will be utterly screwed if you have an accident and the insurance company turns round and declares "you lied, you weren't insured."

Even the 'add a female' trick does not always work though - sometimes being the sole policy holder is best.

My cheapest quote (as an 18 year old male) was a good bit less with just myself as the driver, than putting my Mum (full no claims) or whoever on.
From what I could tell, most companies charged extra for an additional person (I think More Than were an excepetion though).

Any sort of bending the truth is not worth it in the long run - 6 points for no insurance and big problems getting it for years to come, or spend a little extra?

don't no if its same in uk but here u pay less insure if u have a limited mileage, also if ur car sleep in a garage or close area and also if u not using ur car to go to work and also ifu have a female driver or driver with more experience on ur contract but if u lie and they can proove it then they wont pay for it

try tescos insurance v cheap! just renewed mine loads cheaper then last year!

Yes it's the same here with pretty much all those things Jimmy, and obviously you've got to put the correct details down otherwise the insurance can be invalid. Your have the option as to whether you wish the policy to cover you for commuting to work or not, you can add whoever you need to as a named driver (and this may bring it down - or put it up!), and also have to declare whether it's garaged, kept on a drive, or in the street - like mine is! I may need a different house before I get my RS lol.

my quote this year £474 to renew with directline...take of my common law partner and it goes up to £545.....got it from Admiral after 3 comparasion site moneysuper market;gocomapre & confussed...the other half had a claim last year took her off and Admiral is £485 with her on and its £416....mad but there you go I dont get the way the work it out.

Depending on your age you should try admiral/elephant/bell (all owned by admiral and similar prices) but they were by far cheapest for me.

I'm with direct line now, £300 cheaper than my old insurer. Thats with 5yrs ncb Cas on my policy.

im with direct line at the mo, 2 yrs no claims 22yrs old, £1550 for the year. got a quote for the next yr and its still guna be 1150 dropped £400 but still expensive.

I've always been either with Elephant or Admiral for the past 3 years now. Their both the same company, and the good thing is each time I've received a renewal, I call the other company who then beat that offer.

So I've gone from Admiral to Elephant and now back with Admiral - their 10month bonus accelarator is a big help as well.

3 years no claims - I accepted a quote of £490 for an ST. (age 27)

hey mate i am 20 coming upr for 2 years ncb and my insurance with elephants is £1863 that with my induction kit insured aswell , did you not get quotes for an ST befor you bought it

Re: the adding a female. It is right to say that often it will increase - however, it does seem to be only those of a specific age benefit. I'm 26 and if I add my 23 year old girlfriend on my insurance goes up by £200. If I add my mates missus it drops by £80. She's 26, same as me. I didn't do that though cos it isn't strictly kosher

If i added my other half onto my insurance it goes up loads, he's 29 but has 11points (dont ask!) either way it doesnt help and he has full NCB and been driving...forever (11years) and yet i cant get insured on his Lexus IS200, his insurance company wont insure because im under 25. Different things effect it in different ways. I found having my home insurance with Direct Line helps as well.
But no way should you lie on insurance, its not worth the risk in the long run. If you cant pay it out right, just pay it monthly, i know you pay a little bit more back but if it means you can have the car so be it. I pay £41per month with Direct Line, 4yrs NCB and driving, lives on a drive and im 23. But i am a girl which kinda helps.

it can be cheeper if spreading costs over the year to take an unsecured loan for the amount of the insurance as the APR is often much lower. You can also pay for the insurance on and intrest free credit card & spread it that way and costing no more than paying up front provided u can get a 12month 0% card deal