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No-claims discount
You can reduce your premium by cultivating a no-claims bonus, which is a cumulative reward that insurers give to policyholders who do not claim on their policies. Most companies offer a discount for each year you don't make a claim (usually for up to four or five years). Ask your insurer what the maximum amount of discount is that you can accumulate. Once you have built up your maximum no claims bonus, you can normally insure against losing it by paying extra on your premium. Should you wish to switch to another insurer you can usually transfer this no claims discount to you new insurer.
Breakdown cover
For an extra charge you can often add breakdown cover to your car insurance. There's lots of different levels available, from basic cover which would ensure that you are towed to the nearest garage, to policies which cover restarting your car. Good breakdown cover will ensure all parts and labours costs are also covered. You can also take out separate breakdown cover as a stand alone policy.
Premiums can Rise
Premiums are used to pay everyone’s claims and insurers need to ensure they don’t loose money, so it is possible that your premiums may rise from time to time. To stay in business, insurers must take in more in premiums than they pay out in claims.
Uninsured drivers who have an accident also raise the cost of insurance, this is because when an uninsured driver has an accident or causes an injury to another driver or a pedestrian, the moneyfor repairs and compensation is provided by insurers, who pass on the cost to their policyholders.
Shop around and get the best insurance one that suits your own personal circumstances. Review your Insurance whenever you feel you may require different cover.