Toyota Insurance Services

Toyota Insurance Services

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

1. Shop around
The Association of British Insurers (ABI) reckons you are able to save as much as a next on your own 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 automobile
The more people that are included in a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so ensure you make sure to take the kids off your policy once they obtain own.

3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to cover towards any repairs which can be claimed for). If you're prepared to increase this, you can get a reduced premium.

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

5. Agree to a mileage cap
This will earn you a discount simply because cars which can be on the way less often are less apt to 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 specially useful for households with several car.

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

7. Buy through the net
Many insurance providers offer an automatic 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, this means they attract lower premiums.

9. Keep your car or truck garaged
Keeping your car or truck in a garage or on a drive rather than out on the way usually takes between 5 and 10 per cent off your premium.

10. Request an introductory discount
You may be eligible for this, even though you don't have a number claims bonus but have driven a business car - or someone else's car - with a number claims bonus on its policy. Some insurers just offer you a discount because they desire your custom. And if you have developed a number claims bonus, say so.

11. Look 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 may save you a lot of money in the long run.

12. Have a black box fitted to your car or truck
That is where in fact the insurer installs a tool that monitors how the automobile has been driven to ensure that careful driving could 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. Improve your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of one's 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, because the insurer can assume you care less about your car or truck and are therefore more likely to have an accident.

15. Don't pay by direct debit
Paying for 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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