Toyota Insurance Management Se

Toyota Insurance Management Se

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The cost of car insurance can take a big chunk from the driving budget, however it doesn't have to be that way. Listed here are 15 tips to help you get your annual premium down.

1. Check around
The Association of British Insurers (ABI) reckons you can save as much as 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 individuals allowed to drive the car
The more people that are included in a policy, the more it's 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 a greater excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs that are claimed for). If you're prepared to improve this, you will get a diminished premium.

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

5. Accept a mileage cap
This could earn you a discount simply because cars that are on the road 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 specially helpful for households with several car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by up to 30 per cent.

7. Buy through the internet
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, which means they attract lower premiums.

9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a drive rather than out on the road will take between 5 and 10 per cent off your premium.

10. Request an introductory discount
Maybe you are eligible for this, even when you do not 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 offer you a discount because they need your custom. And when you yourself 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 in advance, but it might help you save a lot of money in the long run.

12. Have a black box fitted to your vehicle
That is where in fact the insurer installs a tool that monitors how the car has been driven in order that careful driving can be rewarded. You can also accept curfews that limit what times of day you can drive. It works especially well for young drivers.

13. Enhance 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
Alternative 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, as 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
Investing in your insurance in monthly instalments - rather than in a annual lump sum - causes it to be seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.

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