The general expectation is that a third party cover is the cheapest considering it offers the least coverage, taking care only of the driver and the injured person. It is however not always the case and this is one of the things that makes auto insurance complicated. Insurers interpret that a driver that selects a comprehensive cover including fire and theft plan is far less risky than one who takes a lower cover especially considering actuarial histories. Add a responsible extra driver to your policy It is reasonable for you to think that adding more drivers to your policy will cost you more. However it can work to your advantage and actually lower the cost of insurance. The simple explanation behind it is the averaging of the risks. You have a better chance of reducing your insurance costs when you add a responsible older driver to your cover. Work on your job description and make it less fancy One easy way to win a cheap insurance deal is to tweak your job description. Small changes to the riskiest job descriptions can make a major difference when getting an appropriate insurance cover. Use online tools to find the right description to lower the fees for your cover. Avoid auto renewing your insurance cover, it is expensive Insurers charge more money with each year of policy renewal. Therefore, take note of the renewal date and decide if you want to go ahead with it or not. This should be after you have compared rates with other companies. Your insurance company should be able to match the best deal if not beat it. Do not settle for anything less. Go for add-ons when you understand their value Don’t be quick to rush for additional policy covers without fully understanding what they entail. Instead, carefully read the terms before signing any agreement. It is important to know what additional costs you are likely to incur in.