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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. Listed below are 15 tips to assist you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you can save as much as 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 number of individuals allowed to operate a vehicle the vehicle
The more folks who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so make sure you remember to take the kids off your policy when they manage to get thier own.
3. Request a higher 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 increase 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 often cheapest.
5. Agree to a mileage cap
This will earn you a discount simply because cars which can be on the way 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 helpful for households with multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by up to 30 per cent.
7. Buy through the net
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 storage or on a push as opposed to out on the way usually takes between 5 and 10 per cent off your premium.
10. Look for an introductory discount
You may be eligible for this, even if you do not have 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 offer you a discount because they want your custom. And if you have accumulated 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 up front, but it might save you a king's ransom in the long run.
12. Have a black box fitted to your car
That is where the insurer installs a device that monitors how the vehicle will be driven so that careful driving could be rewarded. You can also agree to curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Enhance your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of your premium.
14. Don't assume third 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 personal vehicle as well, since 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
Paying for your insurance in monthly instalments - as opposed to in 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.