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The cost of car insurance can have a big chunk from your driving budget, however it doesn't have to be that way. Listed below are 15 tips to help you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you are able to save as much as 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 more likely to cost. Young drivers are particularly expensive to insure, so make sure you make sure to take your kids off your policy when they manage to get thier own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to pay for towards any repairs which can be claimed for). If you're prepared to boost this, you may get a low premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Agree to a mileage cap
This can earn you a discount mainly because cars which can be on the 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 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 as much as 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 which can be worth less and have smaller engines qualify for lower insurance bands, this means they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a drive as opposed to out on the way will take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You might be eligible because of this, even if you don't 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 provide you with a discount because they want your custom. And when you have developed a no claims bonus, say so.
11. Search for ways of protecting your no claims bonus
Some policies allow you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium at the start, but it may 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 automobile has been driven so that careful driving could be rewarded. You can even accept 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 slice the cost of your premium.
14. Don't assume third 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, because 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
Paying for your insurance in monthly instalments - as opposed to in an 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.