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The cost of car insurance can take a big chunk from your driving budget, however it doesn't have to be that way. Listed here are 15 tips to help you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you are able to save around a third on your own annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to drive the car
The more individuals who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you remember to take your kids off your policy when they obtain own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs that are claimed for). If you're prepared to increase this, you can get a lowered premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Consent to a mileage cap
This will earn you a discount simply because cars that are on the road less often are less probably be associated with an accident. AA Insurance reckons that accepting a 12,000-mile annual cap would earn a 5 to 10 per cent discount. A 5,000-mile cap can earn even more. This is very ideal for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by as much as 30 per cent.
7. Buy through the net
Many insurance providers offer a computerized 5 per cent discount for online transactions.
8. Consider downsizing
Cars that are worth less and have smaller engines qualify for lower insurance bands, this means they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a push rather than out on the road usually takes between 5 and 10 per cent off your premium.
10. Require an introductory discount
Perhaps you are eligible for this, even though you don't have a number claims bonus but have driven a business car - or someone else's car - with a number claims bonus on its policy. Some insurers just give you a discount because they need your custom. And when you have accumulated a number claims bonus, say so.
11. Try to find methods for protecting your no claims bonus
Some policies enable you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a small premium at the start, but it may help you save a fortune in the long run.
12. Have a dark box fitted to your vehicle
This really is where the insurer installs a device that monitors how the car has been driven to ensure that careful driving can be rewarded. You can also agree to curfews that limit what times of day you are able to drive. It works especially well for young drivers.
13. Improve your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of one's premium.
14. Don't assume 3rd party cover is cheaper
Alternative party insurance is the legal minimum, covering you against damage caused to other people's property and the cost of any compensation for injuries. However, this isn't always cheaper than fully comprehensive cover, which covers your own vehicle as well, because the insurer can assume you care less about your vehicle and are therefore more prone to have an accident.
15. Don't pay by direct debit
Investing in your insurance in monthly instalments - rather than in a annual lump sum - makes it seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.