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The cost of car insurance can have a big chunk from the driving budget, nonetheless it doesn't need to be that way. Here are 15 tips to help you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you can save as much as a third in your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of people allowed to drive the automobile
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 make sure to take your 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 which are claimed for). If you're prepared to increase this, you can get a decreased premium.
4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Consent to a mileage cap
This may earn you a discount simply 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 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 up to 30 per cent.
7. Buy through the web
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, meaning they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a garage or on a push rather than out on the way will take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
Maybe you are eligible for this, even though you do not have a number claims bonus but have driven an organization car - or someone else's car - with a number claims bonus on its policy. Some insurers just give you a discount because they need your custom. And when you have built up a number 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 small premium in advance, but it might help you save a lot of money in the long run.
12. Have a dark box fitted to your car or truck
This is where in fact the insurer installs a computer device that monitors how the automobile is being driven in order that careful driving may be rewarded. You can 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 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 personal vehicle as well, because the insurer can assume you care less about your car or truck and are therefore more likely 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.