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The cost of car insurance can have a big chunk out of your driving budget, nonetheless it doesn't have to be that way. Listed here are 15 tips to assist you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you can save as much as a next on 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 operate a vehicle the automobile
The more people who are covered by a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so ensure you make sure to take your kids off your policy once they obtain own.
3. Request an increased excess
Most insurance policies include an excess charge (the amount you've to cover towards any repairs which can be claimed for). If you're prepared to boost this, you will get a decreased premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Consent to a mileage cap
This could earn you a discount mainly because cars which can be on the way less often are less probably 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 particularly helpful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost 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, this means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a drive rather than out on the way will take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
Maybe you are eligible for this, even though 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 offer you a discount because they want your custom. And when you have developed a no claims bonus, say so.
11. Look 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 you a king's ransom in the long run.
12. Have a dark box fitted to your car
This is where in fact the insurer installs a computer device that monitors how the automobile will be driven in order that careful driving can be rewarded. You can also consent to curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Boost your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of your premium.
14. Don't assume 3rd party cover is cheaper
Alternative 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 own vehicle as well, because 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 likely to cost you between 10 and 25 per cent more in the long run.