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The cost of car insurance can have a big chunk from your driving budget, but it doesn't need 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 around a next on 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 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 ensure you remember to take your children off your policy if they manage to get thier 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 boost this, you will get a low premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Consent to a mileage cap
This can earn you a discount simply because cars which are on your way less often are less probably 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 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 web
Many insurance providers offer a computerized 5 per cent discount for online transactions.
8. Consider downsizing
Cars which are worth less and have smaller engines qualify for lower insurance bands, which means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a drive rather than out on your way can take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may be eligible for this, even though 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 provide you with a discount because they desire your custom. And when you yourself have built up a number claims bonus, say so.
11. Try to find methods for protecting your no claims bonus
Some policies permit you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a small premium up front, but it could save you a lot of money in the long run.
12. Have a dark box fitted to your car
That is where the insurer installs a tool that monitors how the automobile is being driven so that careful driving can be rewarded. You may also accept curfews that limit what times of day you are able to 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 your premium.
14. Don't assume third 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 personal vehicle as well, since the insurer can assume you care less about your car and are therefore prone to have an accident.
15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - rather than in a 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.