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The cost of car insurance can have a big chunk from the driving budget, but it doesn't have to be that way. Here are 15 tips to assist you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you are able to save as much as a next in your annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to operate a vehicle the automobile
The more people who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your kids off your policy once they manage to get thier own.
3. Request an increased excess
Most insurance policies include an excess charge (the amount you have to pay for towards any repairs which can be claimed for). If you're prepared to improve this, you can get a lowered premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Accept a mileage cap
This may earn you a discount simply because cars which can be on the way less often are less probably be involved 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 particularly ideal for households with more than one car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by as much as 30 per cent.
7. Buy through the web
Many insurance providers offer a computerized 5 per cent discount for online transactions.
8. Consider downsizing
Cars which can be worth less and have smaller engines qualify for lower insurance bands, meaning they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a push rather than out on the way can take between 5 and 10 per cent off your premium.
10. Request an introductory discount
Perhaps you are eligible because of this, even when 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 provide you with a discount because they desire your custom. And when you have accumulated a number claims bonus, say so.
11. Try to find means of 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 in advance, but it may save you a king's ransom in the long run.
12. Have a black box fitted to your car
This really is where the insurer installs a device that monitors how the automobile has been driven so that careful driving may be rewarded. You can even accept 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 your premium.
14. Don't assume alternative party cover is cheaper
3rd party insurance could be 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 personal vehicle as well, as the insurer can assume you care less about your car and are therefore prone to have an accident.
15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - rather than in a annual lump sum - makes it seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.