Four smart ways to lower your car insurance premium

Make smart choices behind the wheel and with your policy to help keep your premium in check.

Published: 29 Jul 2025 Last updated: 03 Jul 2026 2 mins read

Key points:

  • Compare cover options to find the right balance of protection and  value for your needs.

  • Your driving experience could pay off – drivers with no penalty points or advanced driving qualifications may benefit from lower premiums.

  • Small changes, such as adjusting your  excess  or policy choices , can help reduce costs .

  • Get extra value with online discounts and  by insuring more with Aviva. 

Simple ways to get better value from your car insurance

Car insurance is an essential part of safe and confident driving. At Aviva, we believe in rewarding responsible drivers and offering flexible cover that suits your lifestyle.

Whether you're a seasoned driver or just starting out, there are plenty of ways to make sure you're getting great value from your policy without compromising on cover.

At Aviva, we believe in rewarding safe driving, offering flexible options, and helping you make confident choices. So, if you're looking to lower your premium while keeping the protection you need, here are four smart tips to get you started.

1. Make Sure You’ve Got the Right Cover

Car insurance is an essential part of safe and confident driving. At Aviva, we believe in rewarding responsible drivers and offering flexible cover that suits your lifestyle.

Whether you're a seasoned driver or just starting out, there are plenty of ways to make sure you're getting great value from your policy without compromising on cover.

At Aviva, we believe in rewarding safe driving, offering flexible options, and helping you make confident choices. So, if you're looking to lower your premium while keeping the protection you need, here are four smart tips to get you started.

2. Safe Driver? We Think That Deserves a Reward

Car insurance is an essential part of safe and confident driving. At Aviva, we believe in rewarding responsible drivers and offering flexible cover that suits your lifestyle.

Whether you're a seasoned driver or just starting out, there are plenty of ways to make sure you're getting great value from your policy without compromising on cover.

At Aviva, we believe in rewarding safe driving, offering flexible options, and helping you make confident choices. So, if you're looking to lower your premium while keeping the protection you need, here are four smart tips to get you started.

3. Consider Increasing Your Voluntary Excess

Your excess is the amount you agree to pay if you make a claim. By choosing a higher voluntary excess, you could reduce your premium. Just make sure it’s an amount you would be comfortable paying if the unexpected happens.

4. Enjoy a Loyalty Discount with Aviva

Already have your home insurance with us?  We have some good news; you can save even more. When you insure both your car and home with Aviva, you’ll get 15% off both policies. It’s just one of the ways we like to say thanks for staying with us.

Lowering your car insurance premium is all about making informed, confident choices and at Aviva, we’re here to help you every step of the way. From rewarding safe and experienced drivers to offering flexible cover that fits your lifestyle, we believe in giving you more than just a policy, we give you peace of mind.

If you’re penalty points free, you could benefit from a discount on your premium. And if you’re taking out a new car insurance policy online, you can enjoy 15% off straight away. It’s our way of helping you save more, drive smarter, and feel fully protected on the road.

Ready to see how much you could save? Get a quote online today and discover the benefits of car insurance with Aviva.

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Aviva car insurance – 15% off when you buy online¹

  • Breakdown rescue
  • Courtesy car
  • New car replacement

To name a few, cover limits, T&Cs apply

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1. Offer of 15% discount only applies to new car insurance policies bought online. Acceptance criteria, terms and conditions apply. Subject to a minimum premium of €310 for car insurance. Aviva reserves the right to withdraw, suspend or amend this offer or any of the terms and conditions there of at any time without prior notice.

Car insurance is underwritten by Aviva Insurance Ireland DAC.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office: Cherrywood Business Park, Dublin, Ireland, D18 W2P5.