Running a car is expensive, and one of the biggest costs to motorists can be car insurance. It’s a legal requirement so there’s no way around it - every driver needs car insurance. Depending on your circumstances, it can add up to a sizeable amount. Whether paid annually or in monthly instalments, it’s usually a significant cost to manage and can take up a large chunk of your budget.
Getting cheap car insurance can make a real difference to the running costs faced by motorists, and everyone wants to get a good deal, don’t they? If you can make some savings, it all helps. Here’s some information on how you can get cheap - or at least cheaper - car insurance.
To ensure that we’re meeting our customer’s needs and remaining competitive, we offer a range of car insurance policies. If you’re a new driver and are interested in building up your No Claims Discount (NCD) while being rewarded for driving well, you may want to consider RAC Black Box Car Insurance.
If you’re a more experienced driver with 9+ years No Claims Discount, you can get up to 65% off our Comprehensive Insurance Cover.
If you’ve got multiple cars in your household why not take out our Multicar Insurance policy and save up to 10%^ on the premium for up to three additional cars you add to the policy.
Choose the more appropriate policy for you and get a quote today.
Lower your premium with telematics
Young and new drivers are more likely to be faced with high car insurance costs than more experienced motorists. If you’re under 24 years of age, you might be considered a greater risk and therefore faced with expensive premiums. A more affordable option for young and new drivers might be black box insurance, which uses telematics to assess driving performance, and rewards those drivers they deem to be safer on the road.
Plus with every RAC Black Box Car Insurance policy you can add FREE RAC connected Breakdown Cover saving you even more money^^.
What’s more, our RAC Black Car Insurance policy includes our 5 star comprehensive cover.
Get a quote for RAC Black Box Car Insurance today.
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Car Insurance for careful drivers
Careful driving can benefit you when it comes to getting cheap car insurance. If you’ve built up a record of several years of no claims, you could be offered a discount by your insurer, simply because you can demonstrate that you’ve been driving for a long period of time without needing to make an insurance claim. In the eyes of your insurer, years of NCD (no claims discount) can help to lower the risk you present as a driver. At the RAC, drivers with 9+ years of NCD may get up to 65% off the price of their car insurance.
Check that your insurance is still suitable for your needs
Do you have named drivers on your policy that no longer drive or have access to your car? Do you drive fewer miles than you stated when you took out your policy? Check your policy details - you might find that a little tweak to your existing insurance policy could make all the difference. Just make sure that you are truthful, as you could invalidate your policy if the information you provide is not accurate.
As well as ‘Comprehensive’ cover, ‘Third Party Fire and Theft’ and ‘Third Party Only’ cover is also available to you when you get a quote. It’s worth noting that a third party policy only covers you against any damage to another person’s vehicle or property - it does not protect against damage to your vehicle or property. For this reason, it’s important you look at all options available and choose the policy that best suits your needs.
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