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The cost of car insurance can have a big chunk from your driving budget, however it doesn't have to be that way. Listed 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 around a next on your own 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 operate a vehicle the car
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 make sure to take your kids off your policy once they obtain own.
3. Request an increased excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs which are claimed for). If you're prepared to boost this, you may get a lowered premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Accept a mileage cap
This can earn you a discount mainly because cars which are on the road less often are less apt 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 more than one 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, this means they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a garage or on a push rather than out on the road can take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
You might be eligible because of this, even if there isn't a number claims bonus but have driven a company 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 have developed a number claims bonus, say so.
11. Try to find methods for 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 small premium up front, but it could save you a fortune in the long run.
12. Have a black box fitted to your vehicle
This really is where in fact the insurer installs a computer device that monitors how the car is being driven in order that careful driving can be rewarded. You can also 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 third party cover is cheaper
Third party insurance could 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 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 - rather than in an 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.