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The cost of car insurance can take a big chunk from your driving budget, but it doesn't have to be that way. Listed here are 15 tips to assist 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 simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to drive the automobile
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 make sure 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 for towards any repairs which are claimed for). If you're prepared to increase this, you will get a diminished 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 will earn you a discount mainly because cars which are traveling less often are less likely to 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 ideal for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by around 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 which 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 traveling will take between 5 and 10 per cent off your premium.
10. Request an introductory discount
Maybe you are eligible because of this, even if you don't have a number claims bonus but have driven an organization car - or someone else's car - with a number claims bonus on its policy. Some insurers just give you a discount because they desire your custom. And if you have accumulated a number 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 small premium at the start, but it might save you a fortune in the long run.
12. Have a black box fitted to your car or truck
This is where in actuality the insurer installs a device that monitors how the automobile has been driven so that careful driving can 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. Boost your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of one's premium.
14. Don't assume alternative party cover is cheaper
Third 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 own vehicle as well, as the insurer can assume you care less about your car or truck and are therefore more prone to have an accident.
15. Don't pay by direct debit
Investing in your insurance in monthly instalments - rather than in 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.