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The cost of car insurance can take a big chunk from your driving budget, nonetheless it doesn't have 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 around a next 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 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 make sure you make sure to take the kids off your policy when they obtain own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you've to cover towards any repairs that are claimed for). If you're prepared to improve this, you can get a reduced premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Agree to a mileage cap
This may earn you a discount mainly because cars that are on the way less often are less probably 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 as much as 30 per cent.
7. Buy through the internet
Many insurance providers offer an automatic 5 per cent discount for online transactions.
8. Consider downsizing
Cars that are worth less and have smaller engines qualify for lower insurance bands, which means they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a garage or on a push as opposed to out on the way will take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Perhaps you are eligible because of this, even if there isn't a number claims bonus but have driven a company 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 when you have developed a number claims bonus, say so.
11. Try to find ways of 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 tiny premium at the start, but it could help you save a king's ransom in the long run.
12. Have a dark box fitted to your vehicle
That is where the insurer installs a tool that monitors how the automobile is being driven so that careful driving could be rewarded. You may also consent 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 slice the cost of one's premium.
14. Don't assume 3rd party cover is cheaper
3rd 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 personal vehicle as well, as the insurer can assume you care less about your vehicle and are therefore prone 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 - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.