Discount Car Insurance

Whatever car you own, it’s always nice to save a few quid on your car insurance.

Although the overall cost of insurance premiums has risen, discounted car insurance is more widespread today than it has ever been. One huge factor in the competitive market is the popularity of the internet, which facilitates online quotes and policy purchasing. Many companies offer sizable car insurance discounts for buying online.

Discount car insurance is also available to drivers who meet certain criteria – criteria that make them a “safe bet” as far as the insurer is concerned. Factors taken into account are no claims status, age, gender and the security you provide for your vehicle.

The most widely available car insurance discount is a “no claims” discount – which rewards you for being a “careful driver”, or at least, for not making a claim on your policy. The no claims discount has been available to drivers for many years and some companies offer as much as a 75% discount for a lengthy no claims period. If a claim is made under your policy, your discount will always be affected unless the insurance company can recover costs from a third party.

As attractive as the no claims discount and online discounts sound, it’s still worth shopping around. A 50% discount for booking online with one car insurer can still wind up being more expensive than with a competitor, once other factors – such as your age and the model of car you drive – have been taken into account.