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The cost of car insurance can have a big chunk out of your driving budget, but it doesn't have to be that way. Here are 15 tips to assist you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you are able to save as much as a next on your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to drive the vehicle
The more people who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you remember to take the kids off your policy if they get their own.
3. Request a higher 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 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 generally cheapest.
5. Accept a mileage cap
This may earn you a discount mainly because cars which are on the way less often are less likely to be involved in 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 ideal for households with more than one car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by around 30 per cent.
7. Buy through the internet
Many insurance providers offer an automatic 5 per cent discount for online transactions.
8. Consider downsizing
Cars which 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 as opposed to out on the way may take between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
Perhaps you are eligible with this, even when there isn't 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 give you a discount because they need your custom. And if you have built up a no claims bonus, say so.
11. Search for means of protecting your no claims bonus
Some policies permit 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 may save you a fortune in the long run.
12. Have a black box fitted to your vehicle
This really is where in actuality the insurer installs a device that monitors how the vehicle will be driven in order that careful driving may be rewarded. You can even 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 slice the cost of one's premium.
14. Don't assume third 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 own personal vehicle as well, since 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
Paying for your insurance in monthly instalments - as opposed to in a annual lump sum - helps it be seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.