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The cost of car insurance can have a big chunk from the driving budget, however it doesn't have to be that way. Here are 15 tips to assist you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you are able to save around a third in your annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of people allowed to operate a vehicle 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 make sure you remember to take the kids off your policy when they obtain own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs which are claimed for). If you're prepared to increase this, you will get a lowered premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Agree to a mileage cap
This may earn you a discount mainly because cars which are on the road 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 several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by as much as 30 per cent.
7. Buy through the web
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, which means they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a storage or on a drive rather than out on the road may take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
Maybe you are eligible because of this, even though you don't have a no claims bonus but have driven a business car - or someone else's car - with a no claims bonus on its policy. Some insurers just provide you with a discount because they want your custom. And when you yourself have built up a no 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 in advance, but it may save a lot of money in the long run.
12. Have a dark box fitted to your car or truck
This is where in fact the insurer installs a computer device that monitors how the car has been driven to ensure that careful driving can be rewarded. You can even consent 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 your premium.
14. Don't assume third party cover is cheaper
Alternative 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 personal 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
Investing in your insurance in monthly instalments - rather than in an annual lump sum - helps it be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.