Getting a car insurance is very important and mandatory so we better get one ! It's always tough to choose the right one and to avoid traps.Use the right job title The occupation is one of the main elements for the insurers to determine your insurance premium. You need to be honest on it because it could invalidate your insurance cover. You also have to be precise, for instance, if you're a student don't tell them that you are"unemployed", this is very important. The amount you will have to pay will depend on your occupation, if it's considered more or less risky. Add an experienced driver to your policy When you're a young or inexperienced driver, you will of course have a high premium because of the higher risk of accident. The trick to pay less is to add an experienced driver to your policy. The risk of an accident will be lower because the experienced driver is supposedly driving the car as well. But you have to be careful of what is called "fronting" : the illegal fact to put an experienced driver as 'named' whereas a young driver is mainly using the vehicle. Don't pay monthly It always seems that when we're paying monthly we're paying less, but in fact, it's more expensive even if it's sometimes handier. If you can afford it, you can save a lot of money by paying in one go. Don't get all the extra options Find out what you really need in your car insurance and don't get tempted to take everything "just in case". Most insurances offer basics such as legal assistance, personal accident cover, courtesy car cover, protected no claim bonus and windscreen cover. Think carefully about what you are going to need for your car, and then buy it. Compare Just like with everything in life, a car insurance needs to be compared to others to see which offer is the best for you. Better deals can always be found and renewal car insurance time may be the best to start looking at other offers. Think about the black box insurance A new car insurance type is now available : the telematics or 'black box' insurance. It's a kind of customised and fairer car insurance in a way : it bases your insurance premium on your driving, measured by a black box or an app on your smartphone placed and connected in the car. A report is sent automatically to your insurer, and if you prove that you're a good driver, your premium will be lower. It works in the opposite way as well, so be careful ! Don't trust the car insurance renewal You'd think it's safe to stay with the same insurance company, but be careful, premiums sometimes increase every year. The trap is that the car insurance is renewed automatically and you don't have time to spot the increase. Try not to fall into traps : take time to read the contract before signing it, and ask for advices when in doubt !