Car insurance can be expensive for drivers in the UK. However, with a bit of effort and research, it’s possible to save money on your policy. In this article, we’ll discuss how to get cheap car insurance quotes in the UK, covering factors like choosing a car in a lower insurance group and comparing quotes from trusted insurance providers such as Compareoo. By following these tips, you could potentially save up to £334* on your car insurance.
Choose a Car in a Lower Insurance Group
One of the key factors that affect the cost of car insurance is the type of car you drive. Cars are categorised into different insurance groups based on factors such as their performance, safety features, and repair costs. Generally, cars in lower insurance groups are cheaper to insure.
To save money on car insurance, consider choosing a car in a lower insurance group. Smaller, less powerful cars with good safety ratings and lower repair costs are typically assigned to lower groups, making them more affordable to insure.
Compare Quotes from Trusted Insurance Providers
Another essential step in finding cheap car insurance is to compare quotes from various insurance providers. By comparing quotes, you can find the best possible deal for your specific needs and circumstances. One such platform to consider using is Compareoo, which compares quotes from over 110 trusted insurance providers. By using Compareoo, you could potentially save up to £334* on your car insurance policy.
To get the most accurate quotes, ensure you provide accurate and consistent information about your car, driving history, and personal details. Don’t forget to review the coverage options and policy features to ensure you’re comparing like-for-like policies.
Increase Your Excess
Your car insurance policy will include an excess, which is the amount you have to pay towards making a claim before the insurer covers the rest. Increasing your voluntary excess can result in lower premiums, as insurers see you as less likely to make small claims that aren’t worth the excess.
However, make sure the voluntary excess you choose is affordable, as you’ll need to pay this amount in the event of a claim. It’s essential to strike a balance between lowering your premium and choosing an excess you can afford to pay if needed.
Build a No-Claims Discount
A no-claims discount (NCD) is a reward for drivers who have not made any claims on their car insurance policy. The longer you go without making a claim, the larger your NCD will be, which can result in significant savings on your premiums. Building up a no-claims discount can take time, but it’s one of the most effective ways to reduce your car insurance costs in the long run.
To maintain and build your NCD, drive carefully and avoid making small claims that could jeopardize your discount. Some insurers also offer the option to protect your NCD for an additional fee, allowing you to make a claim without losing your discount.
Improve Your Driving Skills
Taking additional driving courses, such as Pass Plus or IAM RoadSmart, can help you become a safer driver and may lead to lower insurance premiums. While these courses may not guarantee a discount, they can be especially beneficial for younger or inexperienced drivers, who typically face higher insurance costs. Always shop around and compare insurance options to find providers that offer discounts for completing such courses.
Use a Black Box or Telematics Policy
A black box or telematics policy involves installing a device in your car that monitors your driving habits, such as speed, braking, and mileage. Insurers use this data to calculate your premiums based on your driving behaviour. These policies can be particularly useful for younger or inexperienced drivers, as they can demonstrate responsible driving habits and potentially secure lower premiums.
By opting for a black box or telematics policy, you’re incentivised to maintain safe driving habits, which can ultimately result in lower car insurance costs. However, it’s crucial to compare quotes and policy features to ensure that a telematics policy is a right fit for your needs.
Limit Your Mileage
The number of miles you drive each year can impact your car insurance premiums. Generally, the more miles you cover, the higher your insurance costs. By reducing your annual mileage, you can potentially lower your premiums. When obtaining quotes, be sure to provide accurate mileage estimates, as underestimating your mileage could invalidate your policy.
Consider using public transport, carpooling, or cycling to reduce your overall mileage. If you can demonstrate a lower annual mileage, you may be able to negotiate lower insurance premiums with your provider.
Secure Your Vehicle
Adding security features to your car, such as an alarm, immobiliser, or tracking device, can reduce the risk of theft, potentially resulting in lower insurance premiums. Insurers often offer discounts for cars with enhanced security features, as they are less likely to be targeted by thieves.
Before investing in additional security features, check with your insurer to see if they offer discounts for specific devices or systems. Additionally, parking your car in a secure location, such as a locked garage or well-lit driveway, can also help lower your insurance costs.
Add an Experienced Named Driver
Adding an experienced driver with a clean driving record to your policy as a named driver can sometimes help reduce your premiums. Insurers may view the presence of an experienced driver as reducing the overall risk associated with the policy. However, it’s essential to be honest about the primary driver of the vehicle, as falsely claiming that an experienced driver is the main driver is a form of insurance fraud known as “fronting” and can result in severe consequences.
Don’t Auto-Renew Your Policy
When your car insurance policy is up for renewal, it’s important not to let it auto-renew without shopping around for a better deal. Insurers often reserve their best deals for new customers, and by comparing quotes before your renewal date, you may find more affordable coverage options.
Set a reminder to review your policy and compare quotes from various providers before your renewal date. By doing so, you’ll ensure that you’re not paying more than necessary for your car insurance.
READ: Car insurance guides
