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The cost of car insurance can have a big chunk from your driving budget, nonetheless 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 can save as much as a third in your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to drive the car
The more folks who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so make sure you remember to take your kids 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 towards any repairs that are claimed for). If you're prepared to boost this, you can get a diminished premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Accept a mileage cap
This may earn you a discount mainly because cars that are on the road 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 very useful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by up to 30 per cent.
7. Buy through the net
Many insurance providers offer a computerized 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 car or truck garaged
Keeping your car or truck in a storage or on a push as opposed to out on the road can take between 5 and 10 per cent off your premium.
10. Request an introductory discount
You may well be eligible because of this, even when there isn't a number claims bonus but have driven a business car - or someone else's car - with a number claims bonus on its policy. Some insurers just provide you with a discount because they need your custom. And when you yourself have accumulated a number claims bonus, say so.
11. Search for means of protecting your no claims bonus
Some policies permit 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 might save a lot of money in the long run.
12. Have a dark box fitted to your car or truck
This really is where in actuality the insurer installs a computer device that monitors how the car is being driven in order that careful driving could be rewarded. You may also consent to curfews that limit what times of day you can 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 your premium.
14. Don't assume third 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, 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
Paying for your insurance in monthly instalments - as opposed to in an annual lump sum - causes it to be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.