Toyota Smart Insurance

Toyota Smart Insurance

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The cost of car insurance can take a big chunk from 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. 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 individuals allowed to drive the car
The more people who are covered by a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so make sure you make sure to take the kids off your policy once they obtain own.

3. Request an increased excess
Most insurance policies include an excess charge (the amount you've to pay for towards any repairs which are claimed for). If you're prepared to improve this, you will get a reduced premium.

4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.

5. Agree to a mileage cap
This will earn you a discount mainly because cars which are on the highway 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 very ideal for households with several 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 internet
Many insurance providers offer a computerized 5 per cent discount for online transactions.

8. Consider downsizing
Cars which are worth less and have smaller engines qualify for lower insurance bands, this means they attract lower premiums.

9. Keep your car or truck garaged
Keeping your car or truck in a garage or on a drive as opposed to out on the highway may take between 5 and 10 per cent off your premium.

10. Ask for an introductory discount
Perhaps you are eligible for this, even if 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 offer you a discount because they desire your custom. And when you yourself have developed a no claims bonus, say so.

11. Search for ways of protecting your no claims bonus
Some policies enable 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 could save you a lot of money in the long run.

12. Have a dark box fitted to your car or truck
This really is where the insurer installs a computer device that monitors how the car is being driven to ensure that careful driving may 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 cut the cost of one's premium.

14. Don't assume 3rd 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 personal vehicle as well, since the insurer can assume you care less about your car or truck and are therefore prone to have an accident.

15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - as opposed to within an 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.

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