Use a 'black box' - many insurers now offer 'black box' technology which monitors your driving habits and rewards good drivers through lower premiums.
Change your excess: Changing the excess you are prepared to pay on any claim may reduce the premium. With voluntary excess the more you are willing to cover yourself in the event of an accident the lower your premium.However,this can be a false economy as the cost of making a claim, may be far greater than the difference in premiums.
Check your mileage: Check your mileage to make sure you are not paying extra for miles you are not covering in your car. If, for example, you change jobs and have a shorter commute to work you could be saving money. Try and work out how many miles you will genuinely cover - but don't get it wrong as inaccuracy could jeopardise your claim.
Minimise your optional extras: Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium. The less your motor insurance company has to provide in the event of an accident, the lower your costs.
Be careful where you park: Keep your car parked in a locked garage overnight if you can - this can help reduce the premium. More than 50% of vehicle thefts occur during the night so if your car is safely locked away it makes sense that your insurance costs will be reduced as a consequence. If you don't have access to a garage, then parking on a driveway is generally considered a lower risk than parking on the road. It's less likely that vandalism, theft or accidental damage will occur when you're off the highway.
Pass Plus: If you're a new driver looking to get your first car and car insurance we'd highly recommend that you take your Pass Plus in order to reduce your premiums. The Pass Plus certificate can only be obtained within the first year of passing your practical driving test.
Add a partner or parent to your policy: Adding a partner or a parent to your policy details may reduce the cost of your premiums, a particular benefit to younger drivers. However, don't add a parent as the main driver if you are the main driver of the car as this will invalidate your insurance.
Opt for smaller engine sized car: Insurers calculate premiums based on a number of factors, but the type of car you drive, and the engine size of the car will impact premium prices. Opting for a smaller car with a small engine will give cheaper premiums.
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Source: http://www.car-insures.com/2012/03/top-tips-for-getting-cheaper-car.html
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