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The cost of car insurance can have a big chunk from the driving budget, however it doesn't have 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 third on your own 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 drive the car
The more people who are included in a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so ensure you remember to take your children off your policy once they manage to get thier own.
3. Request a greater 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 increase 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 generally cheapest.
5. Accept a mileage cap
This will earn you a discount mainly because cars that are on the way less often are less apt to be involved 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 ideal 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 web
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, this means they attract lower premiums.
9. Keep your vehicle garaged
Keeping your vehicle in a storage or on a drive as opposed to out on the way will take between 5 and 10 per cent off your premium.
10. Request an introductory discount
You may be eligible for this, even when you do not have a number claims bonus but have driven an organization car - or someone else's car - with a number claims bonus on its policy. Some insurers just offer you a discount because they desire your custom. And when you have accumulated 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 at the start, but it could help you save a king's ransom in the long run.
12. Have a dark box fitted to your vehicle
This really is where the insurer installs a tool that monitors how the car is being driven so that careful driving can be rewarded. You may also accept curfews that limit what times of day you are able to 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 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 personal vehicle as well, as the insurer can assume you care less about your vehicle and are therefore more prone to have an accident.
15. Don't pay by direct debit
Investing in your insurance in monthly instalments - as opposed to within an annual lump sum - causes it to be seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.