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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 below 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 on your own annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the amount 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 remember to take your kids off your policy if they get their own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you've to pay towards any repairs that are claimed for). If you're prepared to improve this, you may get a diminished premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.
5. Accept a mileage cap
This can earn you a discount simply 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 helpful 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 web
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, this means they attract lower premiums.
9. Keep your car garaged
Keeping your car 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. Require an introductory discount
You may well be eligible with this, even when you do not 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 offer you a discount because they desire your custom. And when you yourself have accumulated a no claims bonus, say so.
11. Look for ways of protecting your no claims bonus
Some policies allow you to make a state in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium at the start, but it may help you save a fortune 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 automobile will be driven to ensure that careful driving could be rewarded. You can also accept 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 cut the cost of your premium.
14. Don't assume alternative party cover is cheaper
Alternative 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 own vehicle as well, because the insurer can assume you care less about your car and are therefore more prone to have an accident.
15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - rather than in a annual lump sum - makes it seem more manageable. But it's prone to cost you between 10 and 25 per cent more in the long run.