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The cost of car insurance can take a big chunk from your driving budget, nonetheless it doesn't need to be that way. Listed here are 15 tips to assist you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you can save as much as a next on 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 vehicle
The more people that 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 get their own.
3. Request an increased excess
Most insurance policies include an excess charge (the amount you've to pay towards any repairs which can be claimed for). If you're prepared to improve this, you will get a reduced premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Accept a mileage cap
This can earn you a discount mainly because cars which can be on the highway 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 specially 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 web
Many insurance providers offer a computerized 5 per cent discount for online transactions.
8. Consider downsizing
Cars which can be 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 drive as opposed to out on the highway will take between 5 and 10 per cent off your premium.
10. Require an introductory discount
You may be eligible with this, even when you don't have a number claims bonus but have driven an organization 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 when you have accumulated a number claims bonus, say so.
11. Look for methods for protecting your no claims bonus
Some policies allow 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 could save a lot of money in the long run.
12. Have a black box fitted to your car
This really is where in fact the insurer installs a tool that monitors how the vehicle has been driven to ensure that careful driving may 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. Boost your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of one's premium.
14. Don't assume 3rd party cover is cheaper
3rd 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, because the insurer can assume you care less about your car and are therefore more likely to have an accident.
15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - as opposed to 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.