L'assurance automobile augmente de 64 £ après le changement de règle – sept façons de réduire vos primes

MOTORISTS face a pricey year ahead as average car insurance premiums have shot up to £700.

That’s well above the previous average of £636 last January, according to data from Compare the Market.

Drivers have been urged to switch and save while they still can

Drivers have been urged to switch and save while they still can

Drivers have been advised to switch and save on cheaper car insurance tariffs while they’re still available.

The Financial Conduct Authority (FCA) banned the insuranceloyalty penalty plus tôt ce mois-ci, which saw customers who stayed with the same insurer year after year paying above the odds.

Providers saved their best deals for new customers, who could often save hundreds by shopping around for insurance each year.

The practice by insurers of hiking prices for existing customers, even if they didn’t make a claim, was known asprice walking“.

That’s now been banned. But while the regulator hoped this would level the playing field between new and existing customers, it appears to have simply pushed prices up for all.

But some firms have not yet hiked their premiumsso there are still good deals to take advantage de.

Most read in Motors

Elle n'a sonné qu'une ou deux fois depuis que j'ai découvert qu'elle sortait avec Ronaldo.

Elle n'a sonné qu'une ou deux fois depuis que j'ai découvert qu'elle sortait avec Ronaldo.?

Elle n'a sonné qu'une ou deux fois depuis que j'ai découvert qu'elle sortait avec Ronaldo.

Compare the Market director Ursula Gibbs said: “There is a brief window for savvy drivers to get this year’s car insurance at last year’s prices.

Plus, there are other simple tips you can use to bring down the price of your policy.

Seven top tips to reduce your car insurance costs

Just because the average car insurance premium has shot up more than 10%, doesn’t mean there aren’t plenty of easy ways to cut the cost of your cover.

Switch and save

This is less lucrative than it used to be as insurance providers are no longer allowed to offer introductory deals to new customers.

But you can still cash in by switching and savingas long as you do it stat.

Not all firms have hiked their prices yet.

Compare the Market estimate the average saving you can get by switching to the cheapest insurance deal is now £127up from £95 this time last year.

Gibbs said: “The savings available to customers looking to switch could reduce significantly as more insurers hike their prices.

If your policy is coming up for renewal, it is a good idea to shop around for a better deal as soon as possible.

Buy multi-car insurance

Multi-car insurance can sometimes save you money if you’ve got two or more vehicles at the same household.

Tailoring your policy around each car, including the renewal date, is a handy way to maximise convenience if you’ve got multiple vehicles in one household.

LV= previously told us that 10% of UK households with a joint-car policy saved around 40% on the cost of their premium by combining coverthat’s about £400 a year.

It’s now always cheaper, so you’ll have to do your research though.

Cut down your cover

Getting breakdown cover for your car might save you a fortune if you ever need it.

But if you’re an extra cautious motorist or just an occasional driver, it might not make sense to pay for the additional protection.

It’s perfectly within the law not to have breakdown or comprehensive cover on your car.

Aviva insurance expert Iain Hamilton told us this week: “Check what cover you’ve got as you may be paying for things that you do not need.

It’s better to be safe than sorrybut if you’re feeling the pinch and want to save a few pennies, this could be an easy way to do that.

Boost your voluntary excess level

En bref, this means you’re agreeing to pay more in the event you ever make a claim on your car insurance.

That doesn’t sound like a savingbut it can be.

Volunteering a higher excess on car insurance can actually reduce the annual premium.

But this is risky.

Don’t choose an excess that’s so high you can’t afford it, otherwise you could be unable to claim if anything does go wrong.

Double check your mileage

Tell your insurance provider exactly how much you drive each year without rounding up or down.

If you round up, that could mean putting you in a more expensive bandthat’s because the more miles you drive, the more likely you are to have an accident.

And if you round down and get caught, you might lose your coverage in the event of an accident.

So be safe and sensible by being precise about your mileageit could save you money.

Agree a lower mileage with your insurer

Installing a black box in your car and agreeing a mileage number with your insurer for the year could save you serious money.

London nurse Denisha told us in November she was previously paying £1,764 a yearand managed to cut her premiums down to £872.31 as long as she capped her driving à 3,000 miles.

That’s an incredible saving of £891.69.

A mileage number that low might not seem realistic for youbut have a chat to your insurer and you might be able to negotiate a good deal.

Only pay for the driving you do

If you only use your vehicle to go to the supermarket on weekends, you’ll get cheaper car insurance than someone who commutes in their car tous les jours.

That’s because insurers know you’re much less likely to be on the road during the busy rush hour times.

Be straight about how you use your vehiclesimilarly, don’t say you only use your car socially if you drive to work every day.

And if you’re taking out a multi-car policy and only one of the cars is a commuter car, only pay the addedcommuter feeon the vehicle driven to work.

Here are six apps you can use to cut the cost your insurance including ByMiles and Cashback.

Drivers have been reminded there are huge changes coming to the Highway Code later this month.

And motorists are off the hook after controversial plans for new smart motorways were shelved.

Martin Lewis warns drivers to check your car insurance now as thousands of policies are now invalid after firm went bust