Many comprehensive insurance policies cover items like car audio systems, or roadside assistance. These can raise the premiums, so only get them on your policy if you really need them. Check out to see if your cheap direct line motor insurance, can give you a discount if you don't require them.
You can reduce payments by offering a voluntary excess, but keep in mind not to offer a huge sum as you will need to meet it if you make a claim that is your fault. many think they will never make a mistake and it will only be someone else, but statistics shows otherwise.
You can reduce the risk of theft by parking off road on your driveway or garage,. Most insurers will offer up to a 5% discount if you do so. There are some insurers who claim to not inflate your premium due to where your vehicle is parked, but this may be subject to post code area.
