Toyota Yaris Insurance Group 2002

Toyota Yaris Insurance Group 2002

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

1. Look around
The Association of British Insurers (ABI) reckons you can save as much as a third on your own 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 operate a vehicle the automobile
The more people who are covered by a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so be sure you make sure to take your kids off your policy once they get their own.

3. Request a higher 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 boost this, you will get a diminished premium.

4. Don't use your car or truck 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 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 specially ideal for households with multiple car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise 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 car or truck garaged
Keeping your car or truck in a garage or on a drive rather than out on your way usually takes between 5 and 10 per cent off your premium.

10. Require an introductory discount
Maybe you are eligible for this, even when there isn't a no claims bonus but have driven a company car - or someone else's car - with a no claims bonus on its policy. Some insurers just give you a discount because they want your custom. And when you yourself have accumulated a no claims bonus, say so.

11. Try to find ways 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 small premium up front, but it may save you a king's ransom in the long run.

12. Have a dark box fitted to your car or truck
That is where in fact the insurer installs a computer device that monitors how the automobile is being driven to ensure that careful driving can be rewarded. You may also consent to curfews that limit what times of day you can drive. It works especially well for young drivers.

13. Boost your driving skills
A Pass Plus driving test, or similar qualification, can slice the cost of your premium.

14. Don't assume third 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 personal 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 - rather than in a annual lump sum - helps it 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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