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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 below are 15 tips to assist you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you are able to save around a next on your own 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 operate a vehicle the car
The more people that 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 children off your policy if they get their own.
3. Request a higher 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 reduced premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Consent to a mileage cap
This will earn you a discount simply because cars which can be on your 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 helpful for households with multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by as much as 30 per cent.
7. Buy through the web
Many insurance providers offer an automatic 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 garage or on a drive rather than out on your way usually takes between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may be eligible because of this, even when you do not have a no claims bonus but have driven a business car - or someone else's car - with a no claims bonus on its policy. Some insurers just provide you with a discount because they need your custom. And when you yourself have developed a no claims bonus, say so.
11. Look for means of protecting your no claims bonus
Some policies allow 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 could save a king's ransom in the long run.
12. Have a dark box fitted to your car
This is where the insurer installs a computer device that monitors how the car is being driven in order that careful driving could be rewarded. You can also accept curfews that limit what times of day you are able to drive. It works especially well for young drivers.
13. Boost 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
3rd 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 personal vehicle as well, since the insurer can assume you care less about your car and are therefore more prone to have an accident.
15. Don't pay by direct debit
Paying for your insurance in monthly instalments - rather than in an annual lump sum - causes it to be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.