Toyota Gap Insurance Number

Toyota Gap Insurance Number

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The cost of car insurance can take a big chunk out of your driving budget, but it doesn't need to be that way. Listed below are 15 tips to help you get your annual premium down.

1. Check around
The Association of British Insurers (ABI) reckons you can save around a third 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 drive the vehicle
The more people that are covered by 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 if they manage to get thier own.

3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs which can be claimed for). If you're prepared to improve this, you will get a diminished premium.

4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.

5. Accept a mileage cap
This will earn you a discount simply because cars which can be on the way less often are less likely 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 helpful for households with several car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost 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 which can be worth less and have smaller engines qualify for lower insurance bands, meaning they attract lower premiums.

9. Keep your car or truck garaged
Keeping your car or truck in a garage or on a drive as opposed to out on the way can take between 5 and 10 per cent off your premium.

10. Ask for an introductory discount
Perhaps you are eligible because of 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 provide you with a discount because they need your custom. And if you have developed a number claims bonus, say so.

11. Try to find ways 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 tiny premium at the start, but it could help you save a king's ransom in the long run.

12. Have a black box fitted to your car or truck
That is where the insurer installs a computer device that monitors how the vehicle will be driven so that careful driving may be rewarded. You can even 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 cut the cost of your premium.

14. Don't assume 3rd party cover is cheaper
Alternative 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 vehicle as well, as the insurer can assume you care less about your car or truck and are therefore 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 - makes it seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.

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