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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. Check around
The Association of British Insurers (ABI) reckons you are able to save as much as a third on your annual premium, by simply 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 that are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so be sure you remember to take your kids off your policy when they manage to get thier own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs which can be claimed for). If you're prepared to improve this, you may get a decreased 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 can be on your way less often are less apt 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 specially useful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by around 30 per cent.
7. Buy through the web
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 vehicle garaged
Keeping your vehicle in a garage or on a drive as opposed to out on your way may take between 5 and 10 per cent off your premium.
10. Request an introductory discount
Maybe you are eligible with this, even though 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 have built up a no claims bonus, say so.
11. Try to find ways of protecting your no claims bonus
Some policies enable you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a small premium up front, but it could help you save a lot of money in the long run.
12. Have a black box fitted to your vehicle
This is where the insurer installs a computer device that monitors how the car has been driven in order that careful driving could be rewarded. You can 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 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 personal vehicle as well, as the insurer can assume you care less about your vehicle and are therefore more likely to have an accident.
15. Don't pay by direct debit
Investing in your insurance in monthly instalments - as opposed to in a annual lump sum - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.