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The cost of car insurance can take a big chunk from the driving budget, nonetheless it doesn't need to be that way. Listed below are 15 tips to assist you get your annual premium down.
1. Check around
The Association of British Insurers (ABI) reckons you are able to save around a next on your annual premium, simply by shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to drive the vehicle
The more people that are covered by a policy, the more it's likely to cost. Young drivers are particularly expensive to insure, so be sure you remember to take your kids off your policy if they obtain 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 can get a lowered premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are usually cheapest.
5. Agree to a mileage cap
This can earn you a discount simply because cars that are on your way less often are less likely to be involved in 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 ideal for households with several car.
6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can boost the cost of insurance by as much as 30 per cent.
7. Buy through the net
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 car garaged
Keeping your car in a storage or on a drive rather than out on your way may take between 5 and 10 per cent off your premium.
10. Require an introductory discount
You may well be eligible because of this, even when 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 desire your custom. And if you have built up a no claims bonus, say so.
11. Search for means 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 king's ransom in the long run.
12. Have a dark box fitted to your car
That is where in fact the insurer installs a tool that monitors how the vehicle will be driven in order that careful driving may be rewarded. You can also accept 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 one's premium.
14. Don't assume 3rd party cover is cheaper
Third 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, as the insurer can assume you care less about your car 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.