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The cost of car insurance can take a big chunk from your driving budget, however it doesn't have to be that way. Listed here 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 as much as a third in your annual premium, by just shopping around. So don't just automatically accept your renewal quote each year.
2. Limit the number of individuals allowed to drive the automobile
The more people that are covered by a policy, the more it's more likely to cost. Young drivers are particularly expensive to insure, so be sure you remember to take your kids off your policy when they get their own.
3. Request a higher excess
Most insurance policies include an excess charge (the amount you have to cover towards any repairs which are claimed for). If you're prepared to improve this, you will get a reduced premium.
4. Don't use your car for work
Insurance policies that cover only "social, domestic and pleasure" are often cheapest.
5. Agree to a mileage cap
This could earn you a discount mainly because cars which are on the road 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 very helpful for households with multiple 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 internet
Many insurance providers offer a computerized 5 per cent discount for online transactions.
8. Consider downsizing
Cars which are worth less and have smaller engines qualify for lower insurance bands, which means they attract lower premiums.
9. Keep your car garaged
Keeping your car in a storage or on a push rather than out on the road may take between 5 and 10 per cent off your premium.
10. Look for an introductory discount
Maybe you are eligible because of this, even when you do not have a no claims bonus but have driven a business 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 have accumulated a no claims bonus, say so.
11. Look for means of protecting your no claims bonus
Some policies permit 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 might help you save a fortune in the long run.
12. Have a black box fitted to your car
This is where in actuality the insurer installs a device that monitors how the automobile is being driven so 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. Boost your driving skills
A Pass Plus driving test, or similar qualification, can cut the cost of your premium.
14. Don't assume alternative 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 personal vehicle as well, because the insurer can assume you care less about your car 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 within an annual lump sum - makes it seem more manageable. But it's more likely to cost you between 10 and 25 per cent more in the long run.