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The cost of car insurance can have a big chunk from the driving budget, nonetheless it doesn't need to be that way. Listed here are 15 tips to help you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you are able to save as much as a third in your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to drive 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 make sure you remember to take your kids off your policy when they obtain own.
3. Request a greater 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 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 mainly because cars that are on the way less often are less probably be involved in 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 specially useful for households with multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by around 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 that are worth less and have smaller engines qualify for lower insurance bands, which means 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 may take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
You may well be eligible because of this, even if there isn't a number claims bonus but have driven an organization 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 built up a number claims bonus, say so.
11. Try to find means of protecting your no claims bonus
Some policies allow you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium in advance, but it could save a fortune in the long run.
12. Have a black box fitted to your car
That is where in actuality the insurer installs a tool that monitors how the automobile has been driven to ensure that careful driving could 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 slice the cost of your premium.
14. Don't assume third party cover is cheaper
Alternative 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 personal vehicle as well, since the insurer can assume you care less about your car and are therefore more likely to have an accident.
15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - rather than within an annual lump sum - causes it to be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.