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The cost of car insurance can take a big chunk out of your driving budget, but it doesn't need 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 are able to save around a third on your own annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to operate a vehicle the car
The more individuals 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 the kids off your policy when they obtain own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs which are claimed for). If you're prepared to improve this, you will 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. Consent to a mileage cap
This can earn you a discount mainly because cars which are on your way 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 helpful for households with several 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 internet
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, this means they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a storage or on a drive as opposed to out on your way can take between 5 and 10 per cent off your premium.
10. Require an introductory discount
You might be eligible for this, even when you do not 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 need your custom. And when you yourself have developed a number claims bonus, say so.
11. Search for 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 tiny premium up front, but it may save you a fortune in the long run.
12. Have a black box fitted to your car or truck
That is where in actuality the insurer installs a computer device that monitors how the car has been driven so 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. Improve 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 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 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
Paying for your insurance in monthly instalments - as opposed to within an 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.