Toyota Insurance Renewal

Toyota Insurance Renewal

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The cost of car insurance can take a big chunk out of your driving budget, but it doesn't need 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 around a third in your annual premium, by just 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 vehicle
The more folks who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you remember to take your children off your policy once they manage to get thier own.

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

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

5. Agree to a mileage cap
This could earn you a discount mainly because cars that are on the way less often are less probably be involved in 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 raise 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 that are worth less and have smaller engines qualify for lower insurance bands, meaning they attract lower premiums.

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

10. Require an introductory discount
You may well be eligible with this, even if you don't have 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 offer you a discount because they need your custom. And when you yourself have accumulated a no 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 small premium up front, but it might save you a king's ransom in the long run.

12. Have a black box fitted to your vehicle
That is where in actuality the insurer installs a device that monitors how the vehicle is being driven to ensure that careful driving may be rewarded. You may also accept curfews that limit what times of day you can 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 your premium.

14. Don't assume 3rd 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 own 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 a annual lump sum - makes it seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.

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