Toyota Van Insurance

Toyota Van Insurance

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The cost of car insurance can take a big chunk from your driving budget, but 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 are able to 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 car
The more individuals who are included in a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so ensure you make sure to take your children off your policy if they manage to get thier 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 increase this, you may get a reduced premium.

4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.

5. Consent to a mileage cap
This can earn you a discount simply because cars that are on the way less often are less likely to be involved 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 particularly helpful for households with multiple 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 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, this means they attract lower premiums.

9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a push as opposed to out on the way will take between 5 and 10 per cent off your premium.

10. Ask for an introductory discount
You may well be eligible with 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 provide you with a discount because they need your custom. And when you yourself have accumulated a no claims bonus, say so.

11. Try to find means of protecting your no claims bonus
Some policies enable you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a tiny premium up front, but it might save you a fortune in the long run.

12. Have a black box fitted to your vehicle
This really is where in fact the insurer installs a tool that monitors how the car has been driven so that careful driving may be rewarded. You can also 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 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 own personal vehicle as well, because the insurer can assume you care less about your vehicle and are therefore more prone to have an accident.

15. Don't pay by direct debit
Paying for your insurance in monthly instalments - as opposed to in a annual lump sum - causes it to 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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