Toyota Aygo 2006 Insurance Group

Toyota Aygo 2006 Insurance Group

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The cost of car insurance can have a big chunk from your driving budget, however 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 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 people allowed to drive the vehicle
The more people that are covered by a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take the kids off your policy if they get their own.

3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to pay towards any repairs which can be claimed for). If you're prepared to boost this, you can get a decreased 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 could earn you a discount mainly because cars which can be on the way less often are less apt to 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 helpful 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 internet
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 garage or on a push as opposed to out on the way can take between 5 and 10 per cent off your premium.

10. Ask for an introductory discount
Maybe you are eligible with this, even when there isn't 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 yourself have accumulated a number claims bonus, say so.

11. Search for methods for protecting your no claims bonus
Some policies permit you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a small premium in advance, but it might save a lot of money 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 vehicle is being driven to ensure that careful driving may be rewarded. You can even 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 slice the cost of one's premium.

14. Don't assume alternative party cover is cheaper
Third 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 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 - as opposed to in a annual lump sum - makes it seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.

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