7 Tips For Decrease The Cost Of Car Insurance
1. Request a higher excess
Most insurance policies include an excess charge (the amount you have to pay towards any repairs that are claimed for). If you’re prepared to increase this, you can get a reduced premium.
2. Agree to a mileage cap
This can earn you a discount simply because cars that 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 particularly useful for households with more than one car.
3. Avoid brokers' commission
Direct Line claims that buying through intermediaries can increase the cost of insurance by up to 30 per cent.
4. Buy through the internet
Many insurance providers offer an automatic 5 per cent discount for online transactions.
5. 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 up front, but it could save you a fortune in the long run.
6. Have a black box fitted to your car
This is where the insurer installs a device that monitors how the car is being driven so that careful driving can be rewarded. You can also agree to curfews that limit what times of day you can drive. It works especially well for young drivers.
7. Don’t assume third party cover is cheaper
Third party insurance is 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, because the insurer can assume you care less about your car and are therefore more likely to have an accident.
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