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The cost of car insurance can take a big chunk out of 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 third in your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to operate a vehicle the car
The more people who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take the kids off your policy if 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 boost this, you will get a low premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Consent to a mileage cap
This will earn you a discount mainly because cars that are on the way 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 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, this means they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a storage or on a push as opposed to out on the way usually takes between 5 and 10 per cent off your premium.
10. Look for an introductory discount
Maybe you are eligible with this, even though there isn't 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 give you a discount because they need your custom. And if you have developed a no claims bonus, say so.
11. Search for 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 a lot of money in the long run.
12. Have a dark box fitted to your car or truck
That is where in actuality the insurer installs a computer device that monitors how the car has been driven so that careful driving may be rewarded. You can even agree to curfews that limit what times of day you are able to drive. It works especially well for young drivers.
13. Enhance your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of your premium.
14. Don't assume 3rd 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, because 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 - as opposed to in a annual lump sum - makes it seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.