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The cost of car insurance can take a big chunk from your driving budget, nonetheless it doesn't need to be that way. Here are 15 tips to assist you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you are able to save as much as a next on your own annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount of people allowed to operate a vehicle the vehicle
The more individuals who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so be sure you remember to take the kids off your policy if they get their own.
3. Request an increased excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs that are claimed for). If you're prepared to boost this, you can get a reduced premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Consent to a mileage cap
This may earn you a discount mainly because cars that are on the way less often are less probably 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 helpful for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by as much as 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 that are worth less and have smaller engines qualify for lower insurance bands, meaning they attract lower premiums.
9. Keep your car garaged
Keeping your car in a garage or on a drive rather than out on the way usually takes between 5 and 10 per cent off your premium.
10. Require an introductory discount
You may be eligible with this, even though you don't have a no claims bonus but have driven a company car - or someone else's car - with a no claims bonus on its policy. Some insurers just give you a discount because they desire your custom. And when you have developed a no claims bonus, say so.
11. Search for methods for 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 a lot of money in the long run.
12. Have a dark box fitted to your car
This is where the insurer installs a computer device that monitors how the vehicle will be driven so that careful driving could be rewarded. You can even consent 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 third party cover is cheaper
Alternative 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 car and are therefore prone to have an accident.
15. Don't pay by direct debit
Investing in your insurance in monthly instalments - rather than 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.