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The cost of car insurance can have a big chunk out of your driving budget, however it doesn't have to be that way. Listed here are 15 tips to help you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you can save around a next in your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to drive the car
The more people who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so ensure you make sure 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've to cover towards any repairs that are claimed for). If you're prepared to improve this, you will get a diminished premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Consent to a mileage cap
This may earn you a discount simply because cars that are traveling less often are less probably 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 specially helpful for households with more than one 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 a computerized 5 per cent discount for online transactions.
8. Consider downsizing
Cars that 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 push rather than out traveling may take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Perhaps you are eligible because of this, even if 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 desire your custom. And if you have developed a no claims bonus, say so.
11. Look for means of protecting your no claims bonus
Some policies enable 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 may save a lot of money in the long run.
12. Have a dark box fitted to your car
That is where in fact the insurer installs a computer device that monitors how the car has been driven in order that careful driving may be rewarded. You can also consent to curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Enhance your driving skills
A Pass Plus driving test, or similar qualification, can cut 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 own personal vehicle as well, since 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 in a annual lump sum - makes it seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.