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The cost of car insurance can have a big chunk from the driving budget, nonetheless it doesn't need to be that way. Here are 15 tips to assist you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you can save as much as a next 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 vehicle
The more people 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 remember to take your children off your policy if they manage to get thier own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs that are claimed for). If you're prepared to increase this, you may get a reduced premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Accept a mileage cap
This will earn you a discount simply because cars that are on your way less often are less probably 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 helpful for households with multiple 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 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, this means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a drive as opposed to out on your way can take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Maybe you are eligible for this, even if you don't have a number claims bonus but have driven a company car - or someone else's car - with a number claims bonus on its policy. Some insurers just provide you with a discount because they desire your custom. And if you have developed a number claims bonus, say so.
11. Try to find means 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 in advance, but it may help you save a lot of money in the long run.
12. Have a dark box fitted to your car
This is where in actuality the insurer installs a tool that monitors how the vehicle is being driven to ensure that careful driving may be rewarded. You can also agree to curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Improve your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of one's premium.
14. Don't assume alternative party cover is cheaper
3rd 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 likely to have an accident.
15. Don't pay by direct debit
Paying for your insurance in monthly instalments - as opposed to within an 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.