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The cost of car insurance can have a big chunk from your driving budget, however it doesn't need to be that way. 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 next on your annual premium, by simply 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 vehicle
The more individuals who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you make sure to take your children off your policy if they get their own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs which are claimed for). If you're prepared to improve this, you will get a lowered premium.
4. Don't use your car 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 simply because cars which are on your way less often are less likely to be involved in 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 ideal 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 an automatic 5 per cent discount for online transactions.
8. Consider downsizing
Cars which are worth less and have smaller engines qualify for lower insurance bands, this means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a garage or on a push rather than out on your way will take between 5 and 10 per cent off your premium.
10. Request an introductory discount
You may well be eligible because of this, even when you don't have a number claims bonus but have driven a company car - or someone else's car - with a number claims bonus on its policy. Some insurers just give you a discount because they need your custom. And if you have developed 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 small premium at the start, but it might save you a fortune in the long run.
12. Have a dark box fitted to your car
This really is where in actuality the insurer installs a computer device that monitors how the vehicle has been driven to ensure that careful driving can be rewarded. You can even 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 third 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 car and are therefore more prone to have an accident.
15. Don't pay by direct debit
Paying for your insurance in monthly instalments - rather than in a annual lump sum - makes it seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.