www.moneysavingexpert.com

Any extra security will help. Fitting an alarm or immobiliser (especially one approved by Thatcham) will reduce the bill substantially.

Plus, as theft and accidental damage add a wedge to insurance costs, if you leave your car in a garage or driveway it's a big theft deterrent and means accidental damage is less likely.

The more points on your licence, the higher the cost. While speeding points remain on your licence for four years, insurers usually check for convictions during the last five before they are removed from your record.

One speeding conviction may only affect the price of cover by around 10% - but any more will bump up the price, with two offences costing around 23% more.

Being caught driving with a mobile phone is more serious, and can double your quote. It can also give you three instant points on your licence, which stay on for four years. Approved hands-free kits are fine if used properly.

Photocard licences replaced paper driving licences in 1998, yet these must be replaced every 10 years. A whopping two million photocards are now out of date as of January 2013, according to the DVLA, and a further 2.6 million driving licence photos are due to expire in 2013. For full info and how to renew, see the Is Your Driving Licence Valid? guide.

All insurers must follow the European Court of Justice's gender equalisation ruling, which began in December 2012. It means all things being equal, men and women must pay the same.

In the past, women typically paid �315/year less than men, with those under 20 paying �2,000 less. But this is no longer the case.

So, if you're a man, you could save �100s or even �1,000s. Get a quote now and compare it against your last renewal, even if your next renewal's months away. If it's less, consider cancelling and starting a new policy.

As long as you've not claimed, you'll get a pro-rata refund, but check and factor in any exit fees (approx �25-�50), and remember you won't earn any no-claims during that insurance year.

Use the system in this guide to hopefully beat your current price, or at least find the cheapest you can.

Before we begin, it's important to understand that there are three different types of car insurance: third party, third party fire and theft, and fully comprehensive (full definitions below).

Logically, third party insurance should be cheapest as it offers a lesser level of cover than fully comp - yet this isn't always the case. So get quotes for third party and fully comp just in case it's cheaper. Plus always make sure you check your policy so you know exactly what you are and aren't covered for in the event of a claim.

It's likely third-party buyers are on average a higher-risk group, perhaps as insurers may feel they care less about their cars, and so prices are pushed up. To illustrate this, in one low-risk driver quote we found �290 for fully-comprehensive, compared with �406 for third-party. This isn't a hard rule, but always check both.

Third party

The minimum level of cover you need to legally be able to drive on the road is called third party. It used to be the cheapest type of insurance, but bizarrely, fully comprehensive policies can now sometimes be cheaper.

Third party covers you for any damage you cause to another person's vehicle, and gives protection for any passengers in your car.

Therefore, if you're in an accident and it's your fault, you'll have to pay for any repairs to your own car yourself, as your insurance won't cover it. It may be more expensive because it's assumed you care less about your car and are therefore more likely to have an accident.

It's generally the most suitable for those:

Third party fire and theft

Third party fire and theft has the same level of cover as third party insurance. However, self-evidently, it also provides assistance if your car is stolen or set on fire.

Fully comprehensive

This is the widest level of cover, but can sometimes be the cheapest. The big advantage is that if you have an accident and it was your fault...

You'll be able to claim the cost of repairing your car, and cover personal injury costs, as well as those of other drivers.

The cover also includes accidental damage and vandalism, for example if somebody causes damage to your car when it is parked in the street and drives off.

Plus you'll usually (though not always, so do check your policy details carefully) be able to drive other people's cars if you have their permission, although this is likely to only be third party. Sometimes you'll be covered for driving hire cars too.

Fully comp is a good idea if your car is worth more than �1,500, and gets more important the more valuable your car is. Many insurers will only offer fully comprehensive cover for cars over a certain value anyway.

There are a few ways of cutting the cost of fully comprehensive cover. For example, Tesco Bank offers a comprehensive policy but has a higher compulsory excess, which lowers the cost. However, this doesn't automatically make it cheapest; so make sure you use the comparison sites below to check.

If you've considered adding a second driver to the insurance, even if they won't use the car often, this can smooth out the average risk and sometimes reduce the premium. Those with an additional record for driving well are likely to help make bigger savings, but anyone that's in a lower risk category than you can help.

It won't always work, but it's worth playing with quotes to check.

At no point should you add your name as the main driver on someone else's car, such as one of your children, instead of them. This is known in the industry as 'fronting' and is fraud. When you come to claim, this will often be checked out and your insurance will be invalidated. It can lead to prosecution, so don't do it.

The less you drive, the cheaper your insurance may be. Where possible, try to reduce your mileage. This may sound trite, but actually the real key is incorporating the extra insurance cost when you make long journeys, not just the cost of petrol compared to taking the bus or train (see the Cheap Trains guide).

Anecdotally, though many simply get a quote for 10,000 miles per year, MoneySavers have reported that 5,000 is the cheapest quote - but we haven't tested this. If you drive your vehicle on business, always declare this rather than just include the business miles as personal, or the policy may be void.

If you haven't got normal circumstances, eg, you've made a claim in the past few years, have a modified car or expect to drive 100,000s of miles a year, tell the insurer. If you don't and then try to claim, even for an unrelated issue, your whole policy may be invalid.

Plus you should also tell your insurer about any change, even if it's just your address. This is crucial as it reduces potential problems in the event of a claim. Trying to get insurance after you've had a policy cancelled due to a fraudulent claim is very difficult. It's also very expensive and will follow you for the rest of your life.

A change in circumstances includes moving jobs, as insurers believe this can affect your risk. Scandalously, the unemployed often (though not always) pay higher rates for their car insurance, so do inform your provider if you're out of work - but also do the full checks below to see where you can get the cheapest cover.

You may also save on insurance if you're in a stable relationship - if you're living with a partner rather than listed as single.

Sexy it might be, MoneySaving it ain't. The more changes you make to your car, barring security ones, the more you'll be charged.

Always make sure you inform your insurer of any modifications to your car, whether you made them or not, or it may invalidate your policy. A modification is anything that isn't part of the standard vehicle specification, including factory-fitted optional extras such as alloy wheels.

Plus as a more general point, the combination of popularity, engine size and value all have an impact on car insurance costs. It's worth considering this when you buy. Insuring a super-powerful beast of an SUV for a 17-year-old would cost enough to make Bill Gates weep.

It's worth considering going for a policy with a higher excess (the amount of any claim you need to pay yourself). Many people will find claiming for less than �500 of damage both increases the future cost of insurance and can invalidate no-claims bonuses, meaning it's not always worth making a claim.

So why pay extra for a lower excess? A few policies will substantially reduce premiums for a �1,000 excess, so try this when getting quotes. The downside of this is if you have a bigger claim you'll have to shell out more, so do take this into account.

With insurance, remember - the golden rule is:

If you've read these tips and thought, "it's easy to lie about this", then of course, you're right. Yet lying on your insurance form is fraud. It can lead to your insurance being invalidated and, in the worst cases, a criminal prosecution for driving without insurance. Don't do it.

There's another quick tip to lower your costs: tweaking your job description could save you cash. Insurers decide prices depending on historic risk assessments, and your occupation plays an important part in this.

To help, we've built a fun Car Insurance Job Picker tool to show the riskiest jobs and see if small tweaks to your job description could save you cash.

Remember, this fun 'money-saving' tool can be used to lower the occupational risk of all the drivers on the policy - but don't lie. Give it a go when arranging a new policy, but to also help drive down the price of your existing policy.

If it worked for you, share your success stories with our forum users.

For every year you don't claim on the insurance policy, you get a discount. This makes a substantial difference to the overall cost. If you do claim, it's usually two years off this discount. This deliberately encourages people not to claim. You can also get a protected no-claims discount so that claims don't impact on it.

Remember though, if you do have an accident, even if you don't claim to keep your no-claims discount, the price of the policy can rise simply because you may be assessed as a higher risk in the future.

Some schemes also offer an accelerated no-claims bonus - you get a year's no-claims bonus after 10 months - such as Admiral's* Bonus Accelerator.

Switching from a company car to a private car

If you've been driving a company car and try to find private insurance online, it's tricky to find insurers who allow your no-claims bonus to count. A broker can help find an insurer which will allow a no-claims bonus to match the number of claim-free years you have been driving a company car.

Yet if you phone up, most companies will give some form of introductory or special bonus to those switching to a private car. These discounts are often applied manually as online systems don't automatically allow a discount.

Use the process below, then call the top three (or five) providers listed and discuss the issue.

Beware pay-monthly options - usually, the insurer actually just loans you the annual cost and then charges interest at hideous rates on top. So either pay in full, or if you can't afford it, use a credit card with a lower APR rate (or better still, a 0% credit card for spending, ensuring your repayments are big enough to clear it within a year).

Not all insurers are as bad as each other though. Here's what some of the big guns charge:

If you're unemployed, you face the double whammy of no work and what can be a five-fold jump in insurance costs by declaring you're unemployed.

The same hikes don't apply to homemakers (housewives/house-husbands), so if that's you, say so to avoid a hike in costs.

However, only enter "homemaker" if you're genuinely not seeking work - or receiving benefits which require you to seek work - otherwise, it's fraud.

Read the full MSE News story: Unemployed walloped with high insurance.

Nothing better illustrates car insurers preying on slavishly loyal customers than Sarah Cooper's tweet. "My car insurance renewal is �1,200. New policy with same company is �690. How do they justify this?" They don't justify it, they just do it.

Insurers often charge ever-increasing amounts each year, knowing inertia stops people leaving. Diarise when your renewal�s coming up, then use the steps below to find the cheapest quote for you. Auto-renew and you could be overpaying �100s. If you do nothing else, at least call your existing insurer to haggle down the costs.

It is now common that providers automatically renew unless you tell 'em - so TELL 'EM you don't want to auto-renew as soon as you take out the policy.

As if things weren't bad enough, we've spotted some insurers, like Hastings Direct, levying renewal fees, literally charging people to stay. The only thing worse than this is that some actually pay it - worrying, as if a few insurers get away with it, the rest will follow.

Here are a list of policies we know who are imposing the renewal fee, and the maximum they will add on to your renewal. If you know of any others, tell us so we can add it to the list of shame.

Correct at 26 February 2013

You've got two options if you want someone else to drive your car, such as when one of your kids returns for Christmas:

• Add the driver temporarily to your existing policy.
• Get a new policy altogether, with them as a named driver.

Whichever option you go for, you are likely to pay an admin fee, whether to add another driver (from �15.75 to �50 on top of the premium increase to include the new person) or to cancel an existing policy (typically �25-�50).

Adding a young person to a policy for two weeks should typically cost between �70-�100, including admin charges. So do the maths and check your options, as costs can vary wildly depending on your circumstances.

Some insurers only allow you to add drivers for a defined period, say, for three days or two weeks.

Get temporary car insurance?

It's also possible to get temporary car insurance for up to 28 days, with the bonus that it won't affect your existing policy, or ruin your no claims record if they have an accident. Try Insure Daily, Tempcover.com*, Confused.com* and the RAC.

What about a bus or a taxi?

Of course, there are alternative modes of transport. So if adding an extra driver is expensive, or they'll hardly use the car, think about saving the cash and paying for for the bus to where they have to get to. On the way back, you can always pay for their taxi.

Remember, it all depends on how often they will use the car. Paying �50 to add them to the policy when they may only use it once or twice is wasted money.

At no point should you add your name as the main driver on someone else's car, such as one of your children.

This is known in the industry as 'fronting', and is fraud.

If you claim, this will often be checked out and your insurance will be invalidated and can lead to prosecution, so don't do it.

If they are the main driver, then they should be listed as that.

If your insurance allows it, driving someone else's car instead of yours can be a way to cut mileage. Check your policy details carefully to find out if you can.

If you have fully comprehensive insurance then sometimes, not often, it includes 'driving other cars' cover. This provides you with third-party cover whilst reducing your mileage and therefore the cost of your own policy. Check with your insurance provider whether you're covered.

Generally, insurance is a lot cheaper for a moped or motorbike than for a car. Plus, some insurers may put any no claims bonus from bike insurance onto your car insurance too if you later get your car insured with them. But do take safety into account - if you're in an accident, you're much better protected if you're in a car. See the Bike Insurance guide for more.

Brokers and screenscrapers may seem like they're doing a similar job, as each search a number of different insurers. But they're radically different beasts. A good analogy for this is to compare it to searching for the cheapest loaf of bread.

Individual insurers are like bakers, your choice is simply to buy its cheapest loaf that suits.

Brokers are like supermarkets; they stock a range of bakers' loaves and the price charged depends on their relationships with suppliers.

Screenscrapers are like sending someone round supermarkets and bakers to note all their prices.

If you have an accident and damage someone else's car, but decide to cover the costs yourself, strictly speaking, you should still tell your insurer about it.

Many don't, thinking it will increase premiums. But a problem may arise if you have a second accident and it is found to be related to work undertaken for the first. If this does happen it would most likely result in non-payment of the claim, rather than cancelling the insurance or being reported for fraud, but could still end up costing you �1,000s.