There are a few things that can help you bring the cost of your car insurance down. Here are some tips.
It starts with the car
The type, value and engine size all make a difference. Generally, you’ll pay less on insurance for a smaller car. It also depends which car insurance group your car is in. There’s more on this under What are car insurance groups?
Pay more excess
If you add voluntary excess to your policy, you can bring down the cost of your insurance. But you will pay more if you make a claim, so make sure you can afford the extra cost if that happens.
Have a look at our guide to car insurance excess for more information.
Only pay for what you need
We offer comprehensive as well as third party, fire and theft insurance. Make sure you compare the two and work out what you need. And don’t forget our optional extras.
But beware of false economy. Third party might be cheaper upfront, but it only covers someone else’s car if you have an accident. If you can’t afford to fix or replace your own car if it’s damaged, comprehensive might be the best option.
Make sure your car is safe
Park your car off the road – or better still, in a garage. Alarms, trackers and immobilisers can also bring the cost down. If your car is more secure, there’s less risk, so your cover may be cheaper.