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The cost of car insurance can have a big chunk from your driving budget, however it doesn't need to be that way. Listed below are 15 tips to help you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you can save as much as a next in your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to operate a vehicle the automobile
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 a greater excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs that are claimed for). If you're prepared to improve this, you may get a reduced premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Accept a mileage cap
This may earn you a discount simply because cars that are on the highway less often are less apt 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 more than one 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, this means they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a garage or on a drive rather than out on the highway will take between 5 and 10 per cent off your premium.
10. Request an introductory discount
You may well be eligible with this, even though you don't 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 need your custom. And if you have accumulated a no claims bonus, say so.
11. Try to find ways of protecting your no claims bonus
Some policies permit you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium at the start, but it may save a fortune in the long run.
12. Have a dark box fitted to your vehicle
This really is where in actuality the insurer installs a device that monitors how the automobile will be driven to ensure that careful driving could be rewarded. You can also 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 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, because the insurer can assume you care less about your vehicle and are therefore more prone to have an accident.
15. Don't pay by direct debit
Paying for your insurance in monthly instalments - rather than in an annual lump sum - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.