Toyota Insurance Price

Toyota Insurance Price

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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 here are 15 tips to help you get your annual premium down.

1. Shop around
The Association of British Insurers (ABI) reckons you can save around a next in your annual premium, simply by 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 people that are covered by 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 if 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 which can be claimed for). If you're prepared to boost this, you can get a low premium.

4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.

5. Consent to a mileage cap
This will earn you a discount mainly because cars which can be on your way less often are less apt 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 very useful for households with several car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by up to 30 per cent.

7. Buy through the web
Many insurance providers offer a computerized 5 per cent discount for online transactions.

8. Consider downsizing
Cars which can be worth less and have smaller engines qualify for lower insurance bands, which means they attract lower premiums.

9. Keep your vehicle garaged
Keeping your vehicle in a garage or on a push as opposed to out on your way will take between 5 and 10 per cent off your premium.

10. Ask for an introductory discount
You might be eligible with this, even though there isn't a no claims bonus but have driven a business 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 built up a no claims bonus, say so.

11. Search for 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 small premium at the start, but it could save you a king's ransom in the long run.

12. Have a dark box fitted to your vehicle
This really is where the insurer installs a tool that monitors how the car is being driven to ensure that careful driving can 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. Enhance your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of your premium.

14. Don't assume alternative party cover is cheaper
Third party insurance could 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 vehicle and are therefore more likely 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 likely to cost you between 10 and 25 per cent more in the long run.

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