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The cost of car insurance can have a big chunk out of your driving budget, however it doesn't have 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 around 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 number of people allowed to drive the car
The more folks who are covered by a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your children off your policy once they get their own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs which can be claimed for). If you're prepared to improve this, you may get a decreased 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 will earn you a discount simply because cars which can be 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 specially useful for households with more than one car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by as much as 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 can be worth less and have smaller engines qualify for lower insurance bands, which 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 will take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may well be eligible for this, even if you don't 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 offer you a discount because they desire 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 state in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium in advance, but it may save a fortune in the long run.
12. Have a dark box fitted to your vehicle
This is where the insurer installs a computer device that monitors how the car will be driven so that careful driving may be rewarded. You can also agree to 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 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, since 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 a annual lump sum - causes it to be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.