Compare quotes from several insurers, provide accurate details and check that each policy offers the cover you actually need. You may be able to reduce the price by choosing a suitable voluntary excess, limiting your annual mileage, improving vehicle security or considering a telematics policy, if its terms suit you. Paying annually can sometimes cost less than monthly instalments, although this depends on the provider and your circumstances. Never misrepresent who drives the car or how it is used, as this could affect a claim; check the policy carefully with an FCA-authorised insurer or broker.