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The cost of car insurance can take a big chunk from the driving budget, however it doesn't have to be that way. Listed here are 15 tips to assist you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you can save around a next in your annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of people allowed to operate a vehicle the vehicle
The more folks who are covered by a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so make sure you make sure to take your kids off your policy if they obtain own.
3. Request a greater excess
Most insurance policies include an excess charge (the amount you have to pay for towards any repairs that are claimed for). If you're prepared to improve this, you may 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 can earn you a discount mainly because cars that are on the way less often are less likely to be associated 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 specially ideal for households with multiple 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 net
Many insurance providers offer an automatic 5 per cent discount for online transactions.
8. Consider downsizing
Cars that are worth less and have smaller engines qualify for lower insurance bands, which means they attract lower premiums.
9. Keep your car or truck garaged
Keeping your car or truck in a storage or on a drive as opposed to out on the way usually takes between 5 and 10 per cent off your premium.
10. Require an introductory discount
You might be eligible with this, even though you don't have a no claims bonus but have driven an organization 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 yourself have developed a no claims bonus, say so.
11. Look for methods for protecting your no claims bonus
Some policies allow you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium in advance, but it might save a lot of money in the long run.
12. Have a black box fitted to your car or truck
This is where in actuality the insurer installs a computer device that monitors how the vehicle will be driven in order that careful driving may be rewarded. You may also agree to curfews that limit what times of day you can drive. It works especially well for young drivers.
13. Improve your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of your premium.
14. Don't assume 3rd party cover is cheaper
Third 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, as 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
Spending money on your insurance in monthly instalments - as opposed to within an annual lump sum - causes it to be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.