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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 assist you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you are able to save around a next on your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to operate a vehicle the car
The more individuals who are covered by a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so make sure you make sure to take your children off your policy once they obtain own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs which can be claimed for). If you're prepared to improve this, you can get a reduced premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Accept a mileage cap
This will earn you a discount simply because cars which can be on the highway 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 specially ideal 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 net
Many insurance providers offer an automatic 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 car or truck garaged
Keeping your car or truck in a garage or on a push rather than out on the highway may take between 5 and 10 per cent off your premium.
10. Require an introductory discount
You may well be eligible for this, even though there isn't 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 give you a discount because they need your custom. And if you have accumulated 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 small premium at the start, but it may help you save a king's ransom in the long run.
12. Have a dark box fitted to your car or truck
This really is where the insurer installs a tool that monitors how the car is being driven in order that careful driving can be rewarded. You can even 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 your premium.
14. Don't assume 3rd party cover is cheaper
Alternative 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, as the insurer can assume you care less about your car or truck and are therefore 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.