Toyota Insurance Business Hours

Toyota Insurance Business Hours

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

1. Look around
The Association of British Insurers (ABI) reckons you can save around a next on 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 drive the car
The more people who are covered by a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your kids 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 towards any repairs that are claimed for). If you're prepared to boost this, you can get a decreased premium.

4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.

5. Accept a mileage cap
This will earn you a discount simply because cars that are on the highway less often are less apt to 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 several car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by around 30 per cent.

7. Buy through the internet
Many insurance providers offer an automatic 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 car garaged
Keeping your car in a storage or on a drive as opposed to out on the highway may take between 5 and 10 per cent off your premium.

10. Require an introductory discount
You might be eligible for this, even when there isn't a no claims bonus but have driven a company car - or someone else's car - with a no claims bonus on its policy. Some insurers just provide you with a discount because they desire your custom. And when you have developed a no claims bonus, say so.

11. Search 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 small premium at the start, but it might save you a king's ransom in the long run.

12. Have a black box fitted to your car
That is where the insurer installs a tool that monitors how the car has been driven in order that careful driving can be rewarded. You can even accept 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 third 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 vehicle as well, since the insurer can assume you care less about your car and are therefore prone to have an accident.

15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - as opposed to in a annual lump sum - makes it seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.

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