How can I cut down costs when driving?

The cost of living is increasing in the UK, and a car, for many people, is a crucial way of getting around. So, how can you run it as efficiently and costeffectively as possible? We’ve got some tips to help.

Shop around for insurance

Motor insurance is a significant outlay and while it’s tempting to automatically renew once your policy comes to an end, this could add hundreds of pounds to the cost. So shop around. Use online comparison sites to find the best prices, though calling providers directly can be worthwhile too.

Give an accurate mileage figure

Insurance policies require you to estimate how many miles you’ll be travelling in your car. Overestimating your mileage can ramp up your policy cost, so be as accurate as possible to help reduce cost.

Pay for your insurance in full

If you’re able to pay for your insurance policy in full rather than monthly then you’ll avoid paying interest on your policy. Of course, if spreading your insurance policy over twelve months avoids financial pressure elsewhere, then this option is still valid and ensures you’re covered. The same applies to vehicle excise duty (road tax). Though you can split it into smaller monthly payments, you’ll save money by paying it in full for a twelve month period.

Keep your car well-maintained

Servicing your car regularly helps ensure that it’s running as efficiently as possible, while technicians can check to see if there are any issues that could cause future problems. Regular servicing brings down day-to-day costs through better fuel economy and lower oil use.

Avoid premium fuels

To keep costs down it’s better to opt for regular fuel, and although premium fuels are required by many sports and performance vehicles, regular petrol and diesel cars will run perfectly well on ‘standard’ fuel.

Look around for the cheapest fuel

Make a note of your cheapest local station, but don’t be tempted to drive out of your way for cheaper fuel, as this is more expensive in the long run. If possible, avoid expensive motorway fuel.

Check your tyres

Tyres have a big impact on fuel usage and today’s ‘eco’ tyre options offer a lower rolling resistance that help improve your car’s fuel economy. There’s no loss of grip or reduction in safety with these tyres, either.

Keep your tyres at the right pressure

If your tyres are in good condition, however, then stick with them. Make sure they’re inflated to the correct pressures as this can have a real impact on fuel usage. An under-inflated tyre causes your car to use more fuel, so top them up regularly. The manufacturer’s recommended pressures will be in a panel behind the fuel filler flap, in the door shuts or in the vehicle’s handbook.

Remove unwanted items

Extra weight in your car uses up fuel, so take out coats, boxes and bags that you don’t need. Also, remove roof racks or top boxes that aren’t being used, as they have a huge impact on fuel economy.