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.
We have lots of different deals available regarding car insurance, why not see the advertised car insurance providers can get you on the road at apremium that is right for you.
Remember any claim made against your insurance company may affect your no claims discount and could lead to higher premiums. You can sometimes protect your no claims with an optional premium. make sure this is transferable to other companies though.