I’m a car expert – here are my top tips to lower your car insurance by hundreds

A car influencer revealed her three easy steps to saving hundreds of dollars on car insurance.

Car maintenance and insurance costs are on the rise, with the average driver now paying £776, according to confused.com.

Auto insurance has increased in price by 18 percent in the past three months, making it one of the most expensive household bills, according to the website.

Luckily, Abigayle André from She Talks Cars shared the tricks with her TikTok followers and revealed how to get the most out of your money.

The money-saving expert recommended several tricks to lower the price, including buying upfront and paying in full

First, she recommended getting your insurance in advance, explaining that the sweet spot is 23 to 26 days earlier, adding, “The longer you leave it, the more you’re going to pay.”

The money-saving whiz also recommended adding a named driver to your auto insurance policy and suggested experimenting with different people.

She said, “Sometimes you’d be surprised that a learner driver can even lower your car insurance.”

On the same note, Abigayle said you could check to see if another car in your household has a multi-car policy on their own insurance policy. She said, “It could save you some money.”

According to Abigayle, where you park can also increase the price on your quote.

“You might think it’s cheaper to park in your garage. It’s not always true, try parking on the road and see how that changes things,” she explained.

Choosing the right job title can also lower the price, while Abigayle explained that you should never lie on the form, she said you can be careful when selecting the right title.

She advised: “Use Money Saving Expert’s job picking tool that fits what you do, so don’t lie, but it’s cheaper.”

Small changes to your application can work wonders, even adding your driver’s license number can reduce the price by £20.

Abigayle said, “It saved me 20 pounds and it’s better to have 20 pounds in your pocket than someone else’s.”

The auto expert explained that it’s always a good idea to shop around before taking out an insurance plan.

“I would always get as many quotes as possible with the same level of coverage so I know I’m getting the best price,” she said.

“I know it’s a bit of legwork, but you have to work to save money,” Abigayle added.

Likewise, paying the full cost up front rather than in installments can save you the hassle of interest payments.

Companies can charge interest on monthly installments and this can increase your annual bill.

However, Abigayle acknowledged that paying the full amount may not be possible for everyone, she said, “But if you can pay it off all at once, it’s always cheaper, by the hundreds because you don’t pay interest.”

TikToker’s were grateful for Abigayle’s advice and flooded the comments with praise.

One said: ‘Nice tip about driver’s license.’ Another said, “I wish I had seen this a week ago. I paid £550 last year, £750 this year.’

Another commented, “Best advice. Buy the car after insurance. Find a car that’s cheap in terms of insurance and buy it.’

And Abigayle agreed, “Always check car insurance first!”