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The cost of car insurance can have a big chunk from your driving budget, nonetheless it doesn't need to be that way. Here are 15 tips to help you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you can save as much as a next in your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of people allowed to drive the vehicle
The more individuals who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you remember to take your children off your policy once they manage to get thier own.
3. Request a greater 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 boost this, you can get a diminished premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Accept a mileage cap
This can earn you a discount simply because cars which can be on the highway less often are less apt to 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 very useful for households with multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by up to 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 as opposed to out on the highway may take between 5 and 10 per cent off your premium.
10. Request an introductory discount
You may well be eligible with this, even when you do not have a number claims bonus but have driven a company car - or someone else's car - with a number claims bonus on its policy. Some insurers just offer you a discount because they want your custom. And when you yourself have developed a number claims bonus, say so.
11. Search for methods for protecting your no claims bonus
Some policies enable 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 may help you save a fortune in the long run.
12. Have a black box fitted to your car
This is where in actuality the insurer installs a tool that monitors how the vehicle is being driven so that careful driving may be rewarded. You may also accept curfews that limit what times of day you can 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 one's premium.
14. Don't assume alternative party cover is cheaper
Third party insurance may 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, 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
Investing in your insurance in monthly instalments - as opposed to within an annual lump sum - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.