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The cost of car insurance can have a big chunk from the driving budget, but it doesn't need 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 are able to save around a third 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 operate a vehicle the vehicle
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 make sure to take your children off your policy if they get their own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to pay for towards any repairs which can be claimed for). If you're prepared to increase this, you will 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. Consent to a mileage cap
This could earn you a discount simply because cars which can be on the road less often are less probably be involved 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 very helpful for households with multiple 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 internet
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, meaning they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a storage or on a push rather than out on the road will take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Maybe you are eligible because of this, even if you do not have a no claims bonus but have driven a company car - or someone else's car - with a no claims bonus on its policy. Some insurers just provide you with a discount because they need your custom. And when you yourself have accumulated a no claims bonus, say so.
11. Look for ways 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 up front, 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 in fact the insurer installs a tool that monitors how the vehicle has been driven so that careful driving could be rewarded. You can also accept curfews that limit what times of day you are able to drive. It works especially well for young drivers.
13. Enhance your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of your premium.
14. Don't assume third party cover is cheaper
Alternative party insurance could 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 vehicle as well, because the insurer can assume you care less about your car or truck 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 - causes it to be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.