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How to get cheaper car insurance

Car insurance can be expensive, especially if you’re new behind the wheel! But it doesn’t have to be. Here are our top tips for getting cheaper car insurance.

1. Pay your insurance annually
We understand that it might not always be possible, but paying for your insurance up front means that you avoid being charged extra for credit, and is a great way of keeping your insurance costs down.
2. Consider black box insurance
Black box insurance (also sometimes called telematics) isn’t just for young drivers, it can help reduce premiums for anyone. Most companies that provide black box insurance monitor your speed, acceleration, and braking, and use this information to adjust your premium accordingly. So, if you stick to the speed limits, as well as accelerate and brake smoothly – a telematics policy could be a great idea to help you get a good deal on your car insurance!
3. Choose the cover you need
Things like your annual mileage will affect the price of your insurance, so make sure you don’t overestimate – try to be as accurate as possible when choosing your mileage. Also, third party cover might seem cheaper at the time, but it could end up costing you more in the long run if you’re involved in an accident as it won’t cover any costs to repair your own vehicle if you’re at fault.
4. Run some quotes before buying a new car
Make sure you choose your car carefully, as the make and model of your car will affect the price of your insurance. If you’re thinking of buying a new car, you should run some insurance quotes first to check that it isn’t going to dramatically increase the price of your insurance (high value cars, or cars with powerful engines are usually more expensive to insure).
5. Add a named driver
If you’re a new driver, adding a more experienced driver to your insurance policy might help bring the costs down. But it’s important to remember that if you’re the main driver, the insurance should be in your name. Putting yourself down as a named driver when you’re actually the main driver is called fronting, and is actually illegal – plus you won’t earn any of the No Claims Discount!
6. Choose a higher excess
Having a higher excess can often lower the overall price of your insurance, but you need to make sure that you’ll be able to pay this should you have a claim – so a high excess isn’t the right choice for everyone.
7. Build up your No Claims Discount
The more claim-free years you have under your belt, the cheaper your insurance can be! That’s because companies will see you as having a lower risk of getting into an accident.

Looking for a way to save money on your car insurance? Why not get a quote for a telematics policy today?

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Posted on January 08, 2021
Category Money Saving

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