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The cost of car insurance can have a big chunk from the driving budget, nonetheless it doesn't need to be that way. Here are 15 tips to help you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you are able to save around a third in your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to operate a vehicle the automobile
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 ensure you make sure to take your kids off your policy if they obtain own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs which can be claimed for). If you're prepared to increase this, you can get a lowered premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Consent to a mileage cap
This may earn you a discount simply because cars which can be on the road less often are less likely 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 very useful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by as much as 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 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 garage or on a drive as opposed to out on the road can take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
You may be eligible with this, even if there isn't 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 give you a discount because they want your custom. And when you yourself have accumulated a no claims bonus, say so.
11. Look for methods for protecting your no claims bonus
Some policies permit you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a small premium at the start, but it could save you a king's ransom in the long run.
12. Have a dark box fitted to your car or truck
That is where in fact the insurer installs a computer device that monitors how the automobile is being driven to ensure that careful driving may be rewarded. You can 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 one's premium.
14. Don't assume third party cover is cheaper
3rd 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 personal vehicle as well, since 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
Investing in 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.