Applying for car insurance can seem like endless box-ticking and form-filling – but the answers drivers give can make a big difference to the cost.

Job descriptions, marital status, and whether motorists regularly park in a driveway or garage can all affect the price paid.

That is because insurers use complex computer algorithms to determine what premium to charge, based on the answers given.

So, readers of the BBC Money’s Affordable Living Facebook Group have been sharing their experiences of the legitimate answers they give that save them money.

None should be regarded as advice – but some of these examples may raise drivers’ eyebrows.

Clearly, nobody should consider lying to their insurance provider, otherwise they could face their policy becoming invalid – leaving them with an expensive bill following an accident – and the threat of being blacklisted by mainstream insurers.

Happy couple

One reader, Charlotte, says her premium was £80 cheaper after she married and her marital status was changed on her insurance application.

However another reader, Hazel, says that, in her experience, co-habiting is the best thing to put in the box for relationship status, followed by married and then single.

An applicant’s job can massively affect premiums, but there are many different descriptions used by the insurance companies meaning it could be worth taking the time to find the one which fits the bill, but gives a cheaper price.

Phil, who is a manager for a charity, says he “put in manager and it is £50 more than if I put charity worker – both are technically correct”.

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