Toyota Yaris Insurance Group 2017

Toyota Yaris Insurance Group 2017

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The cost of car insurance can take a big chunk from the 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 can save as much as a next on your annual premium, by simply shopping around. So don't just automatically accept your renewal quote each year.

2. Limit the amount of people allowed to drive the car
The more people that are covered by a policy, the more it's prone to cost. Young drivers are particularly expensive to insure, so make sure you make sure 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've to cover towards any repairs which can be claimed for). If you're prepared to increase this, you may get a decreased premium.

4. Don't use your car or truck for work
Insurance policies that cover only "social, domestic and pleasure" are generally cheapest.

5. Agree to a mileage cap
This could earn you a discount mainly because cars which can be 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 helpful for households with several car.

6. Avoid brokers'commission
Direct Line claims that buying through intermediaries can raise the cost of insurance by as much as 30 per cent.

7. Buy through the web
Many insurance providers offer an automatic 5 per cent discount for online transactions.

8. Consider downsizing
Cars which can be 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 push as opposed to out on your way may take between 5 and 10 per cent off your premium.

10. Require an introductory discount
You may be eligible with this, even when you do not have 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 want your custom. And if you have built up a number claims bonus, say so.

11. Look for ways of protecting your no claims bonus
Some policies allow you to make a claim in set circumstances without it affecting your no claims bonus. You'll pay a small premium in advance, but it may help you save a king's ransom in the long run.

12. Have a black box fitted to your car or truck
This is where in fact the insurer installs a tool that monitors how the car will be driven to ensure that careful driving may be rewarded. You can even agree 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 one's premium.

14. Don't assume alternative 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 vehicle as well, since the insurer can assume you care less about your car or truck and are therefore prone to have an accident.

15. Don't pay by direct debit
Spending money on your insurance in monthly instalments - as opposed to 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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