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The cost of car insurance can take a big chunk out of your driving budget, however it doesn't have to be that way. Listed here are 15 tips to help you get your annual premium down.
1. Shop around
The Association of British Insurers (ABI) reckons you are able to save as much as a next in your annual premium, simply by 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 automobile
The more people who are included in a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so make sure you remember to take the kids off your policy when they get their own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs that are claimed for). If you're prepared to boost this, you may get a lowered premium.
4. Don't use your vehicle for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Consent to a mileage cap
This will earn you a discount mainly because cars that are on the way less often are less apt 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 very helpful for households with several 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 internet
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, meaning they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a garage or on a drive rather than out on the way usually takes between 5 and 10 per cent off your premium.
10. Ask for an introductory discount
You may well be eligible because of this, even though there isn't 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 means 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 tiny premium up front, but it might help you save 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 computer device that monitors how the automobile will be driven so that careful driving may be rewarded. You can even agree to curfews that limit what times of day you are able to 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
3rd 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 vehicle as well, because the insurer can assume you care less about your vehicle and are therefore prone to have an accident.
15. Don't pay by direct debit
Paying for your insurance in monthly instalments - rather than within an annual lump sum - makes it seem more manageable. But it's likely to cost you between 10 and 25 per cent more in the long run.