Toyota Insurance Underwriter

Toyota Insurance Underwriter

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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. 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 as much as a third on your annual premium, by just 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 who are covered by 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 that are claimed for). If you're prepared to increase this, you can get a reduced 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 that are on your way less often are less likely 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 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 that are worth less and have smaller engines qualify for lower insurance bands, meaning they attract lower premiums.

9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a push as opposed to out on your way can take between 5 and 10 per cent off your premium.

10. Request an introductory discount
Maybe you are eligible because of this, even when 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 provide you with a discount because they need your custom. And when you yourself have accumulated a number claims bonus, say so.

11. Look for means of 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 tiny premium up front, but it might save you a lot of money in the long run.

12. Have a black box fitted to your vehicle
That is where in actuality the insurer installs a tool that monitors how the car is being driven to ensure that careful driving can be rewarded. You may also 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 one's premium.

14. Don't assume alternative party cover is cheaper
Third 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 personal vehicle as well, because 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
Investing in your insurance in monthly instalments - as opposed to in a 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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