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The cost of car insurance can have a big chunk from the driving budget, however it doesn't need to be that way. Here are 15 tips to help you get your annual premium down.
1. Look around
The Association of British Insurers (ABI) reckons you are able to save as much as a next on your annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to drive the car
The more people that are covered by a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you remember to take your kids off your policy when they obtain own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you have to pay for towards any repairs which can be claimed for). If you're prepared to improve this, you may get a lowered premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Agree to a mileage cap
This may earn you a discount simply because cars which can be on the 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 ideal for households with more than one car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by as much as 30 per cent.
7. Buy through the internet
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, meaning they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a push as opposed to out on the way usually takes between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may be eligible because of this, even though you do not 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 give you a discount because they want your custom. And when you yourself have accumulated a number claims bonus, say so.
11. Search for 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 a lot of money in the long run.
12. Have a dark box fitted to your car
This really is where in actuality the insurer installs a tool that monitors how the car has been driven to ensure that careful driving may be rewarded. You can even accept curfews that limit what times of day you are able to 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 your premium.
14. Don't assume third party cover is cheaper
3rd 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 personal vehicle as well, as 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
Spending money on your insurance in monthly instalments - as opposed to in 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.