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The cost of car insurance can take a big chunk from the driving budget, however it doesn't need to be that way. Listed below are 15 tips to assist you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you can save around a third in your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to operate a vehicle the car
The more folks who 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 if they obtain own.
3. Request an increased excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs which are claimed for). If you're prepared to increase this, you can get a reduced premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are often 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 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 specially ideal for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by around 30 per cent.
7. Buy through the web
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 garaged
Keeping your car in a storage or on a drive rather than out on the road will take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
You might be eligible with 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 provide you with a discount because they need your custom. And when you yourself have developed a number claims bonus, say so.
11. Try to find methods for 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 in advance, but it may save a fortune in the long run.
12. Have a black box fitted to your car
That is where in fact the insurer installs a device that monitors how the car is being driven in order that careful driving may be rewarded. You can 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 slice the cost of one's premium.
14. Don't assume third party cover is cheaper
Alternative 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, since the insurer can assume you care less about your car 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 within 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.