Here are some car insurance tips from OnCarInsurance: 
1. Buying a new car
Before you even drive your brand new car off the dealership floor, you need to make sure it’s covered. In cases where the car you’re buying is being financed, you’ll be required to have it insured before you can take full ownership. It’s a good idea to phone the dealership to find out the details.
2. Age and Performance
Drivers under the age of 25 years of age are considered high risk when they’re driving high performance vehicles, and this needs to be taken into account when you take out car insurance. One of two things will happen in this case. You will either be denied insurance, or you’ll have to pay very high premiums.
3. Discounts
Information is power. When you talk to your insurance company, you’ll soon find out the best ways to save money on your premiums. Certain systems in your car can lower your risk profile, such as alarm systems and anti-hijacking systems.
4. The right type of insurance cover
Think about how you use your car. Are you insured with the correct use? Depending on how you use your car, you can determine the best type of insurance for you personally. If you use your car to and from work, then you want to take out insurance for private use. For business use, you want to get business use car insurance. The more you drive, the higher your risk profile and the higher your monthly premium.
5. Normal Driver
It’s very important that the person who drives the car most of the time, is the one the car is insured for. There might be an excess if an accident occurs while someone else is driving the car, so this needs to be considered.
6. Car Accessories
You need to consider all the accessories in you car and make sure you add them in your specific cover. Don’t forget about the accessories that weren’t fitted in the factory! You need to specifically specify this in you cover, otherwise your insurance company won’t cover these items.
7. Inspection of your car
In some cases, a car insurance company might ask you to take your car to a third party inspection company for inspection. In future car insurance claims, this could play a vital role, so make sure that you take your car for inspectiona and that you keep the inspection certificate.
8. Terms and conditions
So you’ll know what you are covered for and what you are not, you need to go through the terms and conditions of your insurance policy. You’ll be able to manage your risks better and change your car insurance accordingly.
9. Beware of towing
Make sure that the company towing your car is associated with your insurance company. You might have to pay unnecesary fees.
10. When an accident happens
It’s vital that you take down all the details of the parties involved in the accident. It has to be reported to the police withing 24 hours of when the accident occured. This way, you can make a valid car insurance claim.