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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 here are 15 tips to assist you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you are able to save as much as a next on 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 drive the automobile
The more people who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your kids off your policy if they get their own.
3. Request an increased 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 boost this, you can get a low premium.
4. Don't use your car 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 highway less often are less likely 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 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 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, this means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a drive as opposed to out on the highway usually takes between 5 and 10 per cent off your premium.
10. Request an introductory discount
You may be 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 when you have accumulated a number claims bonus, say so.
11. Look for ways of 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 could help you save a fortune in the long run.
12. Have a dark box fitted to your car
This really is where in actuality the insurer installs a device that monitors how the automobile will be driven to ensure that careful driving could be rewarded. You can also accept 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 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 personal 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
Investing in your insurance in monthly instalments - as opposed to within an annual lump sum - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.