Toyota Insurance Rental Car

Toyota Insurance Rental Car

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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. Look 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 people allowed to drive the vehicle
The more people that are included in a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so make sure you remember to take the kids off your policy if they manage to get thier own.

3. Request a greater excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs that are claimed for). If you're prepared to boost this, you may 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. Accept a mileage cap
This could earn you a discount mainly because cars that are on the way 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 particularly helpful 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 net
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, this means they attract lower premiums.

9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a push rather than out on the way may take between 5 and 10 per cent off your premium.

10. Require an introductory discount
You may well be eligible for this, even if you do not have 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 give you a discount because they need your custom. And when you yourself have built up a no claims bonus, say so.

11. Try to find methods for protecting your no claims bonus
Some policies permit you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a small premium in advance, but it may save you a fortune in the long run.

12. Have a black box fitted to your vehicle
That is where the insurer installs a device that monitors how the vehicle has been driven in order that careful driving could be rewarded. You can also accept 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 3rd party cover is cheaper
Third 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, because the insurer can assume you care less about your vehicle and are therefore prone to have an accident.

15. Don't pay by direct debit
Investing in 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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