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The cost of car insurance can have a big chunk from your driving budget, nonetheless it doesn't need 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 just 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 automobile
The more individuals who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you remember to take your kids off your policy when they obtain own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to pay towards any repairs which are claimed for). If you're prepared to increase this, you can get a lowered premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are usually 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 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 particularly helpful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by up to 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 garaged
Keeping your car in a storage or on a drive rather than out on the road can take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
Maybe you are eligible with this, even when you do not 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 offer you a discount because they need your custom. And when you yourself have developed a no claims bonus, say so.
11. Look for ways of protecting your no claims bonus
Some policies permit 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 a fortune in the long run.
12. Have a dark box fitted to your car
That is where in fact the insurer installs a tool that monitors how the automobile will be driven in order that careful driving can 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. Enhance 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
Third 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 personal vehicle as well, because the insurer can assume you care less about your car and are therefore more 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 prone to cost you between 10 and 25 per cent more in the long run.