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The cost of car insurance can take a big chunk out of your driving budget, nonetheless it doesn't have to be that way. Listed 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 as much as a next on your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to drive the automobile
The more people that are covered by a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so make sure you remember to take your children off your policy once they manage to get thier 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 increase this, you may get a decreased premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Agree to a mileage cap
This may earn you a discount mainly because cars that are traveling 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 particularly helpful 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, meaning they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a garage or on a drive rather than out traveling 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 business car - or someone else's car - with a no 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 no claims bonus, say so.
11. Search for methods for protecting your no claims bonus
Some policies enable you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a small premium up front, but it might help you save a lot of money in the long run.
12. Have a dark box fitted to your car or truck
This is where in actuality the insurer installs a tool that monitors how the automobile will be driven so that careful driving may be rewarded. You can even 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 one's premium.
14. Don't assume third party cover is cheaper
Third 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, since the insurer can assume you care less about your car or truck and are therefore more likely to have an accident.
15. Don't pay by direct debit
Investing in your insurance in monthly instalments - rather than in an annual lump sum - causes it to be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.