Toyota Insurance Quote Uk

Toyota Insurance Quote Uk

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The cost of car insurance can have a big chunk out of your driving budget, however it doesn't have to be that way. Here are 15 tips to assist you get your annual premium down.

1. Check around
The Association of British Insurers (ABI) reckons you can save as much as a third 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 car
The more people that are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you make sure to take the kids off your policy when 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 which are claimed for). If you're prepared to improve this, you will get a decreased 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 mainly because cars which are on the highway 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 helpful for households with multiple car.

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

9. Keep your car garaged
Keeping your car in a garage or on a push as opposed to out on the highway usually takes between 5 and 10 per cent off your premium.

10. Require an introductory discount
You may well be eligible for this, even when there isn't a no claims bonus but have driven an organization car - or someone else's car - with a no claims bonus on its policy. Some insurers just offer you a discount because they need your custom. And when you yourself have accumulated a no claims bonus, say so.

11. Try to find ways of protecting your no claims bonus
Some policies enable 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 could save you a lot of money in the long run.

12. Have a dark box fitted to your car
This is where the insurer installs a tool that monitors how the car will be driven to ensure that careful driving can 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 one's premium.

14. Don't assume alternative party cover is cheaper
3rd 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 personal vehicle as well, because the insurer can assume you care less about your car and are therefore prone to have an accident.

15. Don't pay by direct debit
Investing in your insurance in monthly instalments - as opposed to within an annual lump sum - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.

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