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The cost of car insurance can take a big chunk out of your driving budget, however it doesn't need to be that way. Listed below are 15 tips to assist you get your annual premium down.

1. Shop around
The Association of British Insurers (ABI) reckons you can save as much as a third on your annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.

2. Limit the amount of people allowed to operate a vehicle the vehicle
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 your kids off your policy if they obtain own.

3. Request a higher 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 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 generally cheapest.

5. Consent to a mileage cap
This could earn you a discount simply because cars that are on the way less often are less probably 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 ideal for households with multiple car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by around 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 or truck garaged
Keeping your car or truck in a storage or on a drive as opposed to out on the way may take between 5 and 10 per cent off your premium.

10. Require an introductory discount
Maybe you are eligible for this, even when 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 give you a discount because they want your custom. And when you yourself have accumulated a number claims bonus, say so.

11. Look for 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 you a king's ransom in the long run.

12. Have a black box fitted to your car or truck
This really is where in actuality the insurer installs a device that monitors how the vehicle is being driven so that careful driving can be rewarded. You can also agree to curfews that limit what times of day you can 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 alternative 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 own personal vehicle as well, as the insurer can assume you care less about your car or truck and are therefore 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 - makes it seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.

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