Toyota Vision Insurance

Toyota Vision Insurance

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The cost of car insurance can have a big chunk from the driving budget, however it doesn't need to be that way. Listed below are 15 tips to help you get your annual premium down.

1. Look around
The Association of British Insurers (ABI) reckons you are able to save as much as a third 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 people that are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you remember to take the kids off your policy if they get their 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 can get a diminished 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 will earn you a discount simply because cars that are on your 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 particularly helpful for households with more than one 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 push as opposed to out on your way can take between 5 and 10 per cent off your premium.

10. Ask for an introductory discount
You may well be eligible with this, even when there isn't a number claims bonus but have driven a business car - or someone else's car - with a number claims bonus on its policy. Some insurers just provide you with a discount because they desire your custom. And when you have developed a number claims bonus, say so.

11. Search for ways of protecting your no claims bonus
Some policies permit 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 might save a fortune in the long run.

12. Have a dark box fitted to your car or truck
That is where the insurer installs a tool that monitors how the vehicle has been driven to ensure that careful driving could be rewarded. You may also consent 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 cut the cost of one's 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, 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 - helps it be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.

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