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The cost of car insurance can take a big chunk from the driving budget, however it doesn't have 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 third in your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals 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 ensure you make sure to take the kids off your policy once they get their own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you've to pay towards any repairs that are claimed for). If you're prepared to boost this, you may get a reduced premium.
4. Don't use your car 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 simply because cars that are on your 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 useful for households with multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by up to 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 that are 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 garage or on a drive as opposed to out on your way may take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Perhaps you are eligible because of this, even when there isn't 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 give you a discount because they want your custom. And if you have developed a no claims bonus, say so.
11. Try to find means of protecting your no claims bonus
Some policies enable you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium up front, but it might save a fortune in the long run.
12. Have a black box fitted to your car
This really is where in fact the insurer installs a tool that monitors how the automobile will be driven in order that careful driving may be rewarded. You can even accept curfews that limit what times of day you are able to drive. It works especially well for young drivers.
13. Boost 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
Third party insurance is 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 and are therefore more likely to have an accident.
15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - as opposed to in an annual lump sum - causes it to be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.