Those who want to save money on car insurance can take a number of active steps to cut premiums. However, for many people cheap car insurance happens almost automatically with the passage of time.

A quick tip – when you get your car insurance renewal price through, compare insurance quotes to see if anyone will beat your renewal price then go back to your current insurer and see if they will match the cheaper price (this will only work if you compare like-for-like policies with the same features and levels of cover).

There are 4 reasons your premiums are statistically likely to decrease over time:

1. You’re more likely to buy a home

As drivers move into their 30s and 40s, they are more likely to settle down and buy a house. Insurers see homeowners as less risky, based on accident statistics. While lowering car insurance premiums isn’t the best reason to buy a house, it is another factor in its favour.

2. You’re more likely to get married

Married drivers are also seen as lower risks based on accident statistics. Again, lower premiums on car insurance don’t add up to an overwhelming reason to tie the knot, but they are a happy side-effect.

3. You’re more likely to get a “sensible” job

If you tire of being a club bouncer and go for a nursing degree and a job caring for people, you are considered a lower accident risk.

4. You’ll get older

Yes, drivers statistically tend to mellow with age. Your premiums should drop after age 25, up until you reach your 70s, at which point they may start rising again due to an uptick in claims by drivers over 70. So simply waiting around could have a positive effect on your car insurance premiums!