1. Don't hesitate to switch insurers:
There are plenty of people who stick with the same insurer for twenty years. Perhaps they're happy with the service they've obtained in the past, or maybe they like the speed with which their insurer processes claims. That's fine - if you're 100% happy with your current insurer, by all means hang on to them. However, if your reason for staying with one company has more to do with website traffic apathetic inertia than customer satisfaction, you could be paying too much by not bothering to investigate the competition.
2. Add your most responsible female family member as a named driver on your policy:
The more good drivers that are designated 'named drivers' on your policy, the better the insurer likes it. If the added driver is a female with a long, clean driving history and no previous claims, that's even better. From the insurer's point of view, adding a responsible driver to your cover helps spread the risk. If the risk is reduced, there's a chance the cost of your premium may be too. It doesn't actually matter if this person hardly ever drives your Renault.
3. Practice the fine art of bargaining:
Always ask for a cheaper price on your premium. If you own a smaller car like a Renault Twingo, your insurance shouldn't be costing you as much as what your neighbour pays for his Hummer. If it is, you need to do some serious negotiating (or find another insurer).
Once you've sorted out the fine details and your insurer has provided a price, it's time for some haggling. The trick is not to ask for too much of a reduction (5-10% is reasonable), because you'll probably get an outright refusal. Also, if you try the ever-popular "Insurer B will insure me for 20% less" assertion (which you've just made up), the person in front of you will suspect that either (a) you're not a very nice person for lying to them, (b) you are a bit silly for not grabbing that other insurance, or (c) you must have been quoted a very basic, no-frills policy which you'll be very sorry about later. Most car insurers have a pretty good handle on what everyone else in the business advertising service is charging, so don't assume you know more on the subject than they do.
Even if you only get a premium reduction of 2%, that's better than nothing. Polite haggling has become more socially acceptable, so don't be afraid to try it with the car insurance for your Renault.
4. Be sure to provide the insurer with all your good news:
If you have never had to make a car insurance claim, this is something your insurer should know. If you recently completed an advanced driver safety course, this too may help reduce your premium.
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