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The cost of car insurance can have a big chunk from the driving budget, but it doesn't need to be that way. Listed here 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 individuals allowed to drive the automobile
The more individuals who are covered by a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take the kids off your policy once they manage to get thier own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you have to pay for towards any repairs that are claimed for). If you're prepared to boost this, you may get a decreased premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Consent to a mileage cap
This can earn you a discount mainly because cars that are on the way less often are less likely to be involved 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 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, which means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a push as opposed to out on the way may take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Perhaps you are eligible with this, even though you do not 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 provide you with a discount because they desire your custom. And if you have developed a number claims bonus, say so.
11. Look for methods for protecting your no claims bonus
Some policies allow you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a small premium up front, but it could help you save a king's ransom in the long run.
12. Have a dark box fitted to your car
This is where in fact the insurer installs a tool that monitors how the automobile has been driven so that careful driving could be rewarded. You can also accept 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 your premium.
14. Don't assume alternative party cover is cheaper
Alternative 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 personal vehicle as well, since the insurer can assume you care less about your car 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 in a 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.