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.
In Most cases you cannot build up any No Claims Bonus by being a named driver on someone else's policy. Check for the exceptions, there are a few.
If you own a "classic car" you may be able to get cheap insurance if you only do limited mileage each year. Often many companies have special rates for thsi type of vehicle especially if it is not your main car.
