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The cost of car insurance can have a big chunk out of your driving budget, nonetheless it doesn't have 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 can save around a third on your 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 vehicle
The more folks who are included in a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so ensure you remember to take your children off your policy when they get their own.
3. Request an increased 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 will get a lowered premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Consent to a mileage cap
This could earn you a discount mainly because cars which can be traveling 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 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 web
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, this means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a drive rather than out traveling may take between 5 and 10 per cent off your premium.
10. Require an introductory discount
You may be eligible with this, even when 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 need your custom. And when you have built up a no claims bonus, say so.
11. Try to find methods for protecting your no claims bonus
Some policies allow 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 could save a lot of money in the long run.
12. Have a black box fitted to your car
That is where in fact the insurer installs a device that monitors how the vehicle has been driven so that careful driving may be rewarded. You can also consent to curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Boost your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of one's premium.
14. Don't assume alternative party cover is cheaper
3rd 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 own vehicle as well, because the insurer can assume you care less about your car and are therefore prone to have an accident.
15. Don't pay by direct debit
Paying for your insurance in monthly instalments - rather than within an annual lump sum - causes it to be seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.