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The cost of car insurance can take a big chunk out of your driving budget, nonetheless it doesn't have to be that way. Listed below are 15 tips to help you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you can save as much as a third in your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of people allowed to drive the car
The more individuals who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you remember to take the kids off your policy when they manage to get thier own.
3. Request an increased 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 will get a lowered 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 could 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 very helpful for households with several 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 garaged
Keeping your car in a storage or on a drive rather than out on your way will take between 5 and 10 per cent off your premium.
10. Require an introductory discount
You may well be eligible because of this, even though you don't have 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 need your custom. And when you have built up a number claims bonus, say so.
11. Search for methods for 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 at the start, but it could save you a lot of money in the long run.
12. Have a black box fitted to your car
This really is where in actuality the insurer installs a device that monitors how the car is being driven so that careful driving may be rewarded. You may also accept curfews that limit what times of day you can 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
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 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
Spending money on your insurance in monthly instalments - rather than within 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.