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The AA offer advice on how to lower your premiums

With an average rise of 2.4 per cent in car insurance premiums over the last quarter, the AA suggest ways of keeping your costs down.
Always check to see if your renewal quote is the cheapest on offer
Pay your insurance in a lump sum to avoid added interest.
Increase your excess
If you have a garage use it, you could get a discount off your premium.
Recently passed your test? Take part in the Pass Plus Scheme (see www.passplus.org.uk)
And whatever happens, don't lie when you buy your insurance

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*A replacement car can usually be arranged under any of the following conditions:

1.Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we will supply a replacement car on a credit hire basis. This means the charges for this service will be passed onto the insurance company of the person who was responsible for the accident. This service may not be available where we are unable to get an admission of liability from their insurance company, or wherethe driver is unknown or uninsured.

2.If you have comprehensive insurance, a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information.

3.The repairing garage may be able to provide a replacement car. This is subject to availability.

Young driver car insurance