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The cost of car insurance can have a big chunk from your driving budget, but it doesn't have 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 are able to 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 drive the automobile
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 the kids off your policy once they obtain own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you have to pay for towards any repairs which can be claimed for). If you're prepared to boost this, you can get a lowered premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Consent to a mileage cap
This will earn you a discount mainly because cars which can be 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 several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by as much as 30 per cent.
7. Buy through the net
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, this means they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a garage or on a push rather than out traveling will take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
Maybe you are eligible for this, even though there isn't 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 offer you a discount because they desire your custom. And if you have built up a number claims bonus, say so.
11. Try to find means of 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 small premium in advance, but it might save a king's ransom in the long run.
12. Have a black box fitted to your car or truck
This is where in actuality the insurer installs a tool that monitors how the automobile will be driven so that careful driving may be rewarded. You may 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 cut the cost of one's premium.
14. Don't assume third party cover is cheaper
Third 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 vehicle as well, since 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 - rather than 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.