Toyota Insurance Online Account

Toyota Insurance Online Account

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The cost of car insurance can have a big chunk from the driving budget, however it doesn't have to be that way. Here are 15 tips to help you get your annual premium down.

1. Shop around
The Association of British Insurers (ABI) reckons you are able to save as much as a third 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 operate a vehicle the car
The more folks who are covered by a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you make sure to take the kids off your policy once they get their own.

3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs that are claimed for). If you're prepared to boost this, you will get a lowered premium.

4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.

5. Consent to a mileage cap
This may earn you a discount simply because cars that are on your way less often are less probably be involved 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 very helpful for households with multiple 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 net
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 rather than out on your way usually takes 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 do not 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 give you a discount because they want 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 enable you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium up front, but it might help you save a fortune in the long run.

12. Have a dark box fitted to your car or truck
That is where the insurer installs a computer device that monitors how the car will be driven to ensure that careful driving may be rewarded. You can 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 slice the cost of your premium.

14. Don't assume 3rd party cover is cheaper
3rd 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, as 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
Spending money on your insurance in monthly instalments - rather than within an annual lump sum - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.

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