Toyota Insurance Company

Toyota Insurance Company

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

1. Shop around
The Association of British Insurers (ABI) reckons you are able to save around a third on your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.

2. Limit the number of individuals allowed to drive the vehicle
The more individuals who are covered by a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so ensure you make sure to take your 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 are claimed for). If you're prepared to boost this, you may get a diminished premium.

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

5. Consent to a mileage cap
This will earn you a discount simply because cars which are on the road 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 very helpful for households with multiple car.

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

7. Buy through the net
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, meaning they attract lower premiums.

9. Keep your vehicle garaged
Keeping your vehicle in a garage or on a push rather than out on the road may take between 5 and 10 per cent off your premium.

10. Request an introductory discount
Maybe you are eligible with this, even when there isn't 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 desire your custom. And when you yourself have built up a no claims bonus, say so.

11. Look for means of protecting your no claims bonus
Some policies permit you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium in advance, but it could help you save a fortune in the long run.

12. Have a dark box fitted to your vehicle
This is where the insurer installs a tool that monitors how the vehicle is being driven to ensure that careful driving could be rewarded. You may also accept 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 alternative party cover is cheaper
Third 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, since 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
Investing in your insurance in monthly instalments - rather than in a annual lump sum - helps it be seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.

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