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The cost of car insurance can have a big chunk out of your driving budget, nonetheless it doesn't need to be that way. Here are 15 tips to help you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you are able to save around a next on your own annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of people allowed to operate a vehicle the vehicle
The more people who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so be sure you remember to take your children off your policy once they manage to get thier own.
3. Request an increased excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs which are claimed for). If you're prepared to increase this, you can get a diminished premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Accept a mileage cap
This may earn you a discount mainly because cars which are traveling less often are less likely to 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 ideal for households with more than one 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 an automatic 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 or truck garaged
Keeping your car or truck in a garage or on a drive rather than out traveling may take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may well be eligible for this, even when you do not have a no claims bonus but have driven an organization car - or someone else's car - with a no claims bonus on its policy. Some insurers just give you a discount because they want your custom. And if you have accumulated a no claims bonus, say so.
11. Try to find 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 may help you save a king's ransom in the long run.
12. Have a dark box fitted to your car or truck
That is where in fact the insurer installs a tool that monitors how the vehicle has been driven to ensure that careful driving could be rewarded. You can also agree to curfews that limit what times of day you are able to 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 third party cover is cheaper
Alternative 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, 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 - rather than in 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.