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The cost of car insurance can take a big chunk from the driving budget, but it doesn't need to be that way. Listed here are 15 tips to help you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you are able to save around a next 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 car
The more people that are covered by a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so make sure you make sure to take your children off your policy when they get their own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs that are claimed for). If you're prepared to boost this, you will get a reduced premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Accept a mileage cap
This will earn you a discount simply because cars that are on the road less often are less likely to 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 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 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, meaning they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a garage or on a drive as opposed to out on the road will take between 5 and 10 per cent off your premium.
10. Require an introductory discount
Perhaps you are eligible for this, even when 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 offer you a discount because they need your custom. And if you have accumulated a no claims bonus, say so.
11. Look 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 at the start, but it may save you a king's ransom in the long run.
12. Have a black box fitted to your vehicle
That is where in actuality the insurer installs a computer device that monitors how the car will be driven in order that careful driving could be rewarded. You may also 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
3rd 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 own personal vehicle as well, as the insurer can assume you care less about your vehicle and are therefore prone to have an accident.
15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - as opposed to within an annual lump sum - helps it be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.