Toyota Insurance Opening Times

Toyota Insurance Opening Times

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The cost of car insurance can have a big chunk from your driving budget, but it doesn't need 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 around a third on your own annual premium, simply by 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 vehicle
The more individuals who are included in a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your kids off your policy when they get their own.

3. Request an increased excess
Most insurance policies include an excess charge (the amount you've to cover towards any repairs which are claimed for). If you're prepared to improve this, you can get a lowered premium.

4. Don't use your car 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 simply because cars which are on the road 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 specially helpful for households with multiple car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by around 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 which are worth less and have smaller engines qualify for lower insurance bands, this means they attract lower premiums.

9. Keep your car garaged
Keeping your car in a storage or on a push rather than out on the road usually takes between 5 and 10 per cent off your premium.

10. Ask for an introductory discount
Perhaps you are eligible with this, even if you do not 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 offer you a discount because they need your custom. And if you have developed a number claims bonus, say so.

11. Try to find ways 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 up front, but it may help you save a lot of money in the long run.

12. Have a dark box fitted to your car
This really is where the insurer installs a device that monitors how the vehicle will be driven so that careful driving could be rewarded. You can even agree to curfews that limit what times of day you are able to drive. It works especially well for young drivers.

13. Improve your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of one's premium.

14. Don't assume third 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 personal vehicle as well, since the insurer can assume you care less about your car and are therefore more likely to have an accident.

15. Don't pay by direct debit
Paying for your insurance in monthly instalments - rather than in an annual lump sum - helps it be seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.

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