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The cost of car insurance can have a big chunk from your driving budget, nonetheless it doesn't have to be that way. Here 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 around a third in your annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of people allowed to drive the automobile
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 be sure you remember to take the kids off your policy when they obtain own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to cover towards any repairs that are claimed for). If you're prepared to boost this, you may get a reduced premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Agree to a mileage cap
This will earn you a discount mainly because cars that are 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 multiple car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by around 30 per cent.
7. Buy through the net
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, meaning they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a drive as opposed to out on the highway usually takes between 5 and 10 per cent off your premium.
10. Request an introductory discount
You may well be eligible with this, even when there isn't 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 provide you with a discount because they want your custom. And when you have built up a number claims bonus, say so.
11. Try to find ways of protecting your no claims bonus
Some policies allow you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a tiny 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 vehicle
This is where in fact the insurer installs a tool that monitors how the automobile will be driven so that careful driving may 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. Boost your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of your premium.
14. Don't assume alternative 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 vehicle as well, since 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
Paying for your insurance in monthly instalments - as opposed to 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.