I recently had to buy car insurance and sat for a few hours scouring the web for the cheapest. After finding the cheapest I then began to get quotes including family members as named drivers. I found that there were a few factors that influenced the price, such as: a) when you want it to start; b) occupation; c)other cars. This is in addition to usual things like no claims discount.
a) Starting the cover at a later date lowered the cost for me. So try getting a quote a few weeks before you need it to see if it works out cheaper.
b) Find your occupation but try different words. My job is in customer service and sales and the words advisor, representative, officer, and administrator, all apply to the job I do, but each one affected the price of the car insurance. So it’s worth checking under your own job description if there are several different words you could use.
c)When adding family members to my insurance the question was asked as to whether they had their own cars and if they were named drivers on other insurance. The two people I wanted to add on both have their own cars and are also named drivers on each others. However, I was not able to tick yes for both options on the application, the answer required was one or the other. So I tried it with both. Using the named drivers option worked out cheaper.
This may not apply to all car insurance providers but it’s worth you spending some extra time trying different things. I managed to save £400 on the original quote. That’s not bad for a couple of hours work.