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The cost of car insurance can take a big chunk from your driving budget, however it doesn't need to be that way. Listed here are 15 tips to assist you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you can save as much as a third 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 automobile
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 ensure you remember to take the kids off your policy once 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 can get a decreased premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Agree to a mileage cap
This can earn you a discount simply because cars that are on the highway less often are less apt to 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 particularly useful for households with more than one 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 web
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 or truck garaged
Keeping your car or truck in a storage or on a drive as opposed to out on the highway can take between 5 and 10 per cent off your premium.
10. Request an introductory discount
Maybe you are eligible for this, even if you don't 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 desire your custom. And when you yourself have built up a no 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 small premium in advance, but it may help you save a fortune in the long run.
12. Have a black box fitted to your car or truck
This really is where the insurer installs a device that monitors how the automobile is being driven to ensure that careful driving could be rewarded. You can even accept curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Boost your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of one's premium.
14. Don't assume alternative party cover is cheaper
3rd 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 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
Investing in your insurance in monthly instalments - as opposed to within an 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.