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The cost of car insurance can take a big chunk from the 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 can 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 people allowed to operate a vehicle the automobile
The more people 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 if they get their own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs that are claimed for). If you're prepared to boost this, you may get a low premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Accept a mileage cap
This could earn you a discount simply because cars that are on the highway 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 particularly useful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by up to 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 that are 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 storage or on a push rather than out on the highway will take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
You may be eligible for this, even if you don't have a no claims bonus but have driven a business car - or someone else's car - with a no claims bonus on its policy. Some insurers just provide you with a discount because they want your custom. And if you have built up a no claims bonus, say so.
11. Look for means 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 small premium in advance, but it might save a lot of money in the long run.
12. Have a black box fitted to your vehicle
This is where in actuality the insurer installs a tool that monitors how the automobile has been driven in order that careful driving can be rewarded. You may also accept curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Enhance your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of one's premium.
14. Don't assume 3rd party cover is cheaper
Alternative 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 personal vehicle as well, because the insurer can assume you care less about your vehicle and are therefore more prone to have an accident.
15. Don't pay by direct debit
Investing in your insurance in monthly instalments - rather than in an annual lump sum - helps it be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.