Toyota Insurance Head Office

Toyota Insurance Head Office

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The cost of car insurance can take a big chunk from the driving budget, but 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 are able to save around 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 individuals allowed to drive the vehicle
The more folks who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your kids off your policy once they manage to get thier own.

3. Request an increased 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 low premium.

4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.

5. Accept a mileage cap
This could earn you a discount simply because cars that are on your way 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 useful for households with several car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost 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 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 push as opposed to out on your way may take between 5 and 10 per cent off your premium.

10. Require an introductory discount
You might be eligible for this, even when 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 provide you with a discount because they need your custom. And when you have accumulated a number claims bonus, say so.

11. Look for 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 could save a lot of money in the long run.

12. Have a dark box fitted to your vehicle
That is where in actuality the insurer installs a computer device that monitors how the vehicle has been driven so that careful driving may be rewarded. You may also consent 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 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 personal vehicle as well, because the insurer can assume you care less about your vehicle and are therefore more prone 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 - 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.

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