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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 around a next on your own annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to drive the vehicle
The more folks who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so make sure you remember to take your kids off your policy if they get their own.
3. Request a higher 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 increase this, you can get a lowered premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Accept a mileage cap
This can earn you a discount mainly because cars which are on the highway less often are less likely to 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 particularly useful for households with multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by around 30 per cent.
7. Buy through the net
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, meaning they attract lower premiums.
9. Keep your car garaged
Keeping your car in a garage or on a push as opposed to out on the highway may take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Maybe you are eligible with 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 provide you with a discount because they need 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 state in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium in advance, but it might save you a fortune in the long run.
12. Have a black box fitted to your car
This is where the insurer installs a device that monitors how the vehicle will be driven so that careful driving can be rewarded. You can even consent to 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 cut the cost of one's premium.
14. Don't assume 3rd party cover is cheaper
3rd party insurance could 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, 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
Paying for 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.