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The cost of car insurance can have a big chunk out of your driving budget, nonetheless 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 as much as a next in your 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 individuals who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so ensure you remember to take your children off your policy if they get their own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs which are claimed for). If you're prepared to boost this, you can get a lowered premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Agree to a mileage cap
This may earn you a discount mainly because cars which are on your way less often are less probably 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 specially useful for households with multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase 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 are worth less and have smaller engines qualify for lower insurance bands, which means they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a storage or on a push as opposed to out on your way will take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may be eligible because of this, even if you don't 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 desire your custom. And when you yourself have accumulated a no claims bonus, say so.
11. Look for methods for protecting your no claims bonus
Some policies allow you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a small premium up front, but it might save you a lot of money in the long run.
12. Have a dark box fitted to your car or truck
This really is where in actuality the insurer installs a computer device that monitors how the vehicle will be driven in order that careful driving can be rewarded. You may 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 one's 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, as the insurer can assume you care less about your car or truck and are therefore more 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 - causes it to be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.