Payment for the year in advance it comes out cheaper because you do not conclude a loan agreement and you do not pay interest on the loan
Alarm like the steering lock, they will lower your premiums, just like parking on private property
Higher excess may mean a lower premium. However, don't make it too high in case you need to make a claim!
If you don't make a claim you will get discounts which will lower your premium.
If you drive less miles in a year then your insurance premium will be reduced
By installing the black box, or a telematics device can help you reduce your premium