• Limit the number of drivers on the policy - especially younger drivers
  
  
• Choose a model with low repair costs so you don't have to claim for minor damage
  
  
• Avoid modified or high performance vehicles
  
  
• Garage the car at night, or arrange off-street parking. In high-risk areas, or when the car is particularly sporty, this is often a condition of insurance
  
  
• Improve your driving with an advanced course. Some insurers offer discounts for young drivers who have undergone additional tuition
  
  
• Join an owners' club. Groups often negotiate deals with companies for reduced-cost policies
  
  
• Alarms and immobilizers can also save you a packet for some high risk models but check out what is required before installation
  
  
• Don't ignore the deterrant potential of steering-wheel locks. Some of these are insurance-approved
  
  
• Increase your policy excess. Boosting the amount you pay from your own pocket in the event of a claim can often reduce premiums
  
  
• If your car is a special interest or collector's model, it may qualify under a cheaper rate if you belong to an approved car club or if you meet limited usage conditions

Article by Joe Kenwright and CarPoint.com.au