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The cost of car insurance can take a big chunk out of 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 around a third in your annual premium, by simply 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 vehicle
The more people who are included in a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so make sure you remember to take your children off your policy once they obtain own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs which can be claimed for). If you're prepared to improve this, you may get a lowered 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 may earn you a discount mainly because cars which can be traveling 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 raise the cost of insurance by as much as 30 per cent.
7. Buy through the net
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 storage or on a push rather than out traveling may take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may well be eligible with this, even if you do not have a no claims bonus but have driven an organization car - or someone else's car - with a no claims bonus on its policy. Some insurers just provide you with a discount because they want your custom. And when you have built up a no claims bonus, say so.
11. Search for means of protecting your no claims bonus
Some policies enable 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 might save you a fortune in the long run.
12. Have a dark box fitted to your car
That is where in actuality the insurer installs a tool that monitors how the vehicle has been driven in order that careful driving could be rewarded. You can also agree to curfews that limit what times of day you are able to drive. It works especially well for young drivers.
13. Enhance your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of your premium.
14. Don't assume third party cover is cheaper
3rd 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 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
Spending money on your insurance in monthly instalments - rather than within an annual lump sum - helps it be seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.