As the numbers of cars on our roads continues to rise, so the likelihood of accidents is likely to rise as well.

As the insurance market is constantly changing in line with trends in the market - such as an increase in accidents and calls for changes in transport regarding climate change policies - finding an affordable deal can be a time-consuming process.

But by considering your options with regards to how you use your vehicle, you could save yourself money on your car insurance.

Take some time to consider your journeys, calculate and note down your average mileage per year, for the chances are you could save yourself some money on your policy if you don't use the car often.

Some insurance companies are now beginning to introduce ‘pay-as-you-drive' car insurance as part of their product range.

By fitting a small device - which tracks your vehicle via GPS (Global Positioning System) technology - into your car, the price of your policy is then calculated using the data transmitted via a satellite uplink.

Policy prices will be determined by your mileage, so could be an ideal scheme for those who are likely to use their car on an occasional basis.

There are also services available in cities around the UK, which offer short-term car rental on an hourly basis. This kind of service seems ideal for those who commute into cities using public transport, but may still need access to a vehicle for work purposes.

By paying a one-off insurance deposit, usage is calculated by the hour, and the price usually includes VAT, fuel costs, tax and even 24 hour roadside assistance.

When shopping round for a more affordable car insurance quote, it's worth doing a bit of research in order to determine your annual mileage, which could help save you money on your policy.

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