Cheap Car Insurance

Up to 65% off with 9+ years no claims discount

Cheap Car Insurance

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 advice on how you can get cheap - or at least cheaper - car insurance.

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. 

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.

 

Frequently Asked Questions

If you’re looking to get cheap car insurance, there are a few ways to try to your lower your premium. Parking your car in a more secure area, adding extra security systems to your car, and driving carefully - therefore maintaining your no claims - all helps. There’s more advice on how to get cheap car insurance here but remember, although you may be looking for the cheapest possible, you still need to ensure the cover provided is suitable for your needs

 
Why is ‘No Claims’ so important?

No Claims is important because it shows an insurer that you haven’t made a claim for a certain period of time. This implies that you’re a safer driver than someone who perhaps has made some claims. If you have built up a long period of no claims, your insurer may offer you a discount. There’s more about NCD here.

 
Can a dashcam reduce my insurance premium?

Indirectly, it could. A dashcam, fitted in your car, can record footage of incidents and accidents, so it could help to prove whether you were at fault in the event of a collision. It may help you settle a claim more quickly, and it may help you to protect your No Claims Discount. 

 

Links

For further reading about finding cheap car insurance, these guides could be useful:

How to get cheap car insurance

When you’re searching for cheap car insurance, you really should be looking for the best possible deal for your budget. This guide has advice on what you can do to try to lower the price of your premiums.

Speed limiters and car insurance

Having a speed limiter fitted to your car may help reduce the price of insurance. What is a speed limiter? This guide reveals how it works, and how it might help with cheaper car insurance.

Car insurance groups

The make and model of the car you drive has a major influence on the price of your insurance. Cars are assigned an insurance group, from 1 to 50 - here’s how these groups are calculated.

Car insurance guide

Car insurance might seem confusing, with a lot of different factors to think about. Our ultimate guide to car insurance explains it all.

What is a no claims discount?

A No Claims Discount is a reward for careful driving, when a motorist hasn’t made a claim for a number of years. If you’ve got several years of no claims built up, you could save money on your car insurance.