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The MoneySaving Highway Code

Drive down insurance, petrol, MOT & more motoring costs

Owning and running a car is pricey. So as well as knowing the official Highway Code to stay safe, everyone should know our rules for MoneySaving motoring. Fasten your seatbelt and check out our exhaustive tips so costs don't send you into a spin ahead of the bank holiday getaway. In all, we've 50+ Motoring MoneySaving tips, here are the 16 biggies...

CHECK your photo driving licence or risk a £1,000 fine. You might think you haven't aged, but over 2m face a penalty for out-of-date photos. See photo licence alert.

NEVER auto-renew car insurance - compare quotes at speed. With prices up 11% in the past year, it's never been more vital to keep costs in check. Renewal prices are almost always hideous, so use comparison sites to find your best price. As they don't all search the same insurers, the best route is to follow our order and use as many as possible.

Our current order's: 1) MoneySupermarket* 2) Gocompare* 3) Confused.com* 4) CTM* (Why? See comparison order.)

Yet there are some hot deals and insurers they miss, eg:
- Age UK*, get a £50 M&S gift card (sent within 120 days of policy start date).
- Also try Aviva* and Direct Line* which aren't on comparison sites.

We're not saying these will be cheapest, but they're worth trying and comparing with the best comparison results.

You could save even if not at renewal...

- Less than 2mths from renewal? Some firms such as Aviva* and More Than* give quotes valid for 45-60 days (see full list of long-quote insurers). So get one now, then check against the best dea ls at renewal time.

- 2mths+ away? If you've not claimed, you can usually cancel for a £50ish fee and get a pro-rata refund. So check if you can find a cheaper policy than you've got and do the maths to see if switching mid-policy works out.

SLASH car insurance further with our counter-logical tricks. How risky you're perceived to be by insurers - ie, how likely they think you are to claim - affects costs, so it's about making yourself look less risky...

- Use trial and error to see if comprehensive's cheaper than 3rd party.
- Save by legitimately tweaking your job title. Ratatatat did: "Went from accountant to auditor - I'm both. Saved £60."
- Adding mum, dad or Aunt Dot can save £1,000s. If they're a lower risk, it can bring the average down; especially when adding a responsible older driver if you're young. See adding extra drivers.

FIND the cheapest petrol or diesel in seconds. A nifty tool finds the cheapest forecourt near you. Differences can be huge, eg, in Manchester, 111.9p to 123.9p. Petrol price comparison

GET full breakdown cover from £43, basic from £22. For full cover, AutoAid* is our top pick - it covers any car you, your spouse or civil partner drive, for £43.31/yr. Unlike most basic policies, it covers for home breakdown, plus onward travel if stuck elsewhere. An equiv AA policy is £100+.

If you don't need such comprehensive cover, see how to get AA/RAC cover from £22. More help and tips in Cheap Breakdown Cover.

HAGGLE when renewing AA, RAC etc cover. These are among the easiest firms to haggle with. In our last annual poll, the AA was the top service provider to haggle with, with 86% of those who tried succeeding. RAC was 85%. Jacqueline emailed: "Thanks. I cut my RAC bill by £144 simply by haggling." See our breakdown haggling tips.

APPLY for an emissions sticker if driving to major French cities or risk a £60+ fine. Should arrive within 10 days (but best to apply earlier to be safe). How to get one and why

RIDE your way to motorbike insurance savings. It's not just car insurance - you can also slash bills if you're on a motorbike or scooter. See our motorbike insurance cost-cutting system, including the best comparison sites to use.

IMPROVE your driving to slash petrol costs by 30%. Drive clever and you drive cheap. 7 tricks to use less fuel

TEST your car before your MOT. Many fail needlessly, yet a simple 5min check can fix that. 9 pre-MOT checks

FIND hidden 'fewer fails' MOT centres. Council MOT centres are mainly for buses and ambulances, but are also open to the public. As they don't do repairs, there's no vested interest to fail you. Our Council MOT Centres Help shows your nearest and how it works. Faye tweeted: "Thanks for the council MOT tip, our car flew straight through. #whoop."

DON'T believe private parking firm 'fines' - they're just invoices. Yet many will try to make you think they're council tickets. Some will even call them Parking Charge Notices to mimic official Penalty Charge Notices.

If you do get a private ticket and it's unfair, you can fight it; see our Fight Unfair PRIVATE Parking Tickets guide.

ALWAYS challenge unfair council parking tickets. Even after initial rejection, 56% WIN. Council tickets are fines, but they can still be given unfairly. If that happens to you, take them on. See Fight Unfair COUNCIL Parking Tickets.

QUIT smoking in your car if you've kids with you - or risk a £50-£100 fine. Quite apart from the health risks, it's illegal to smoke in a vehicle in Eng, Scot and Wal if there's an under-18 in it. You could be fined £50 in Eng/Wal or £100 in Scot - the ban's not yet in force in NI but one's coming.

KEEP your motor in top nick with a Halfords FREE '£15' summer car check. Get a totally free six-point inspection including oil levels, air conditioning, bulbs and a free screenwash top-up. See Halfords car check.

ASSESS if your caravan needs cover. Car insurance usually only gives you the minimum third-party cover if your caravan damages someone else's property. Check our top tips to see if it's worth adding comprehensive caravan insurance.