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The cost of car insurance can take a big chunk from the driving budget, however it doesn't need to be that way. Listed below 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 as much as a next on your own annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to drive the automobile
The more people that are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so make sure you remember to take your kids off your policy once 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 that are claimed for). If you're prepared to increase this, you will get a diminished premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Agree to a mileage cap
This may earn you a discount mainly because cars that are on the way 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 particularly useful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by as much as 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 that 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 garage or on a push rather than out on the way will take between 5 and 10 per cent off your premium.
10. Request an introductory discount
Perhaps you are eligible because of this, even if you don't have a number claims bonus but have driven an organization car - or someone else's car - with a number claims bonus on its policy. Some insurers just give you a discount because they want your custom. And when you yourself have built up a number claims bonus, say so.
11. Search 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 small premium in advance, but it may save you a king's ransom in the long run.
12. Have a dark box fitted to your car or truck
This is where the insurer installs a computer device that monitors how the automobile will be driven so 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. Boost 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 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, as the insurer can assume you care less about your car or truck and are therefore more likely 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 - 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.