Practical motoring with Rich Hayes - How to get cheap car insurance

When it comes to car insurance, it certainly pays to shop around - especially if you’re a new driver and insurance prices are high. Here are our top tips for securing the best insurance deal that will ensure you’re covered without being left out of pocket.

Secure your vehicle

Keeping your car on your drive will notably bring your car insurance premium down compared to keeping your vehicle on the road. If you have a garage, even better - store it there to keep the price to a minimum. The safer your vehicle, the cheaper your premium. Go one step further by increasing the security of your car - tracking devices and immobilisers both help to reduce car insurance costs.

Consider your driving

Driving sensibly is one of the best ways to ensure your car insurance is as cheap as possible. This includes driving to the speed limit to avoid speeding tickets, which are likely to increase your premium. Reducing your annual mileage can also help to keep your premiums down. Little things like walking or taking public transport for some journeys will help bring the cost down.

Check the policy benefits

While it’s great to secure a low price for your car insurance, many insurers offer extra benefits to add value to their policies. Check if these will be useful to you, as they could actually save you further money. Some typical benefits insurance companies offer include: a courtesy car should yours need repairs and recovering uninsured losses. 

Lastly, don’t forget to always check the compulsory excess before accepting a car insurance quote. Some cheap insurance deals come with huge excesses, which could make your cheap insurance not so cheap after all in the event of a claim.