Affordable Car Insurance In Inverness

Best Ways To Get Affordable Car Insurance In Inverness

 Are you a new driver? Did you recently move? What’s your driving history like?

Many factors contribute to the rising costs of car insurance but there are still ways to get affordable car insurance in Inverness. 

In Scotland, which of course includes Inverness, drivers are expected to carry at least a third-party insurance – which is the minimum coverage policy that pays for damages they cause to others when they are on the road.

However, it’s best to buy policies with more coverage if you can afford it to protect yourself from future events that may occur and incur greater expenses. The essence is to save you from great financial losses.

With so many options available and things to consider, you may think that getting affordable car insurance in Inverness is arduous but it is not. Taking some intentional measures can help you find coverage that is suitable for you and meets your budget.

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Ways To Get Affordable Car Insurance In Inverness

  1. Switch Your Car Insurance Provider 

This is commonly the first step to take to get more affordable car insurance in Inverness. Usually, about 12 Euros is added to your insurance costs when you renew your policy with a particular insurer. 

Even though the renewal price isn’t much different from that of the previous year, it’s worth taking a look elsewhere to get a better deal. After all, a penny saved is a penny earned.

  1. Shop and Compare

Getting a better policy would need you to shop and compare, this way you’d be able to find more competitive rates or prices. Go online, there are comparison sites that can provide you with quotes from multiple insurance providers. 

Making use of comparison sites is a major way to get affordable car insurance in Inverness.

  1. Pay For Your Car Insurance Annually

Paying for your car insurance tends to be cheaper than spreading it out monthly. Insurance companies usually add interest to monthly payments, making you pay more than you need to.

If you can afford it, you should pay annually to save yourself from any added charges. However, if you can’t, you can use a credit card with 0% interest on purchases, that way you still get the benefit of budgeting monthly without the added charges.

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  1. Reduce Your Mileage

Who is likely to pay more on car insurance? A driver who constantly plies the road or a driver who seldomly uses his vehicle? Risk increase with increase in the number of miles you cover and this, in turn, increases your cost of car insurance. Driving a fewer miles can save you some money on premiums.

  1. Enhance Your Security

A vehicle with an improved security system usually costs less to insure. Adding secondary levels of security like a steering lock, having an alarm system, and parking in a secure, well-lit car park are some ways of improving your car’s security. 

  1. Watch Out For Extras You Don’t Need

Some policies come with add-ons like breakdown cover, courtesy car, windscreen cover, legal expenses cover, etc. Access yourself to know if you really need those extras and also find out if it’s cheaper to buy them as separate policies.

  1. Increase Your Voluntary Excess

Increasing or paying a high voluntary excess lowers your policy. Your excess is the amount you’d have to pay out if you make a claim.

  1. Add A Named Driver To Your Policy

A secondary driver added to your policy can lower your premium cost. This happens when the named driver is older, more experienced, and has a no-claims record.

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  1. Change or Downsize Your Car

The type of car you drive has an impact on your insurance price. This is usually based on the cost of repair or replacement when the need arises. Your car’s worth, the engine size, and the car insurance group it belongs to all affect your premium costs. Cheaper vehicles are less costly to insure.

  1. Keep Your Licence Clean

Drivers with points on their license are often considered a greater risk. While minor violations like a speeding ticket may not have a great impact on your insurance cost, major infractions like drinking under the influence (DUI) or driving without insurance can make your premiums skyrocket. Maintaining a clean license keeps your insurance costs low. 

  1. Build and Protect Your No-Claims Bonus

For every year you go without making a claim, you add to your no-claims bonus, and every time you make a claim, your no-claims bonus decreases. 

Having more bonus qualifies you for getting a bigger discount on your insurance which means you’d be paying less on premiums. Being a careful driver helps to lower the risk of making claims. 

  1. Take A Driving Course

Most car insurance providers offer discounts to drivers who take a driving course voluntarily. It’s a smart move to make that not only saves you on car insurance but also makes you a more confident and improved driver. 

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Factors Affecting Car Insurance Rates In Inverness

It’s key that you understand the factors that determine your premium cost while looking for affordable insurance in Inverness.  Insurance providers consider these factors and weigh the risk they pose. The greater the risk, the higher the premium. Some of them include:

  1. Age
  2. Driving record
  3. Location
  4. Type of vehicle
  5. Safety features

Types Of Car Insurance In Inverness

In Inverness, there are 3 different types of car insurance, each providing varying levels of coverage. They include:

  1. Third Party 
  2. Third Party Fire and Theft
  3. Comprehensive Insurance

Third Party – when you are at fault in an accident, the third party insurance pays for damages and injuries you cause to other people but damages to you and your vehicle are not covered.

Third Party Fire and Theft – This kind provides the same coverage as third-party insurance but also pays out if your car is stolen or damaged by fire.

Comprehensive Insurance – provides the most coverage as it includes the third party fire and theft and also pays for damages to your vehicle and your medical expenses when you’re involved in an accident.

Some comprehensive car insurance policies come with some add-ons like windscreen cover, legal expenses, courtesy car(when your car is being repaired), breakdown cover, etc. 

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Conclusion

Inverness is a beautiful city that is loosely populated. The roads in the city are commonly narrow and drivers need to take extra care so as to avoid collisions and this is where car insurance comes in. 

Whilst having car insurance is important and required by law, you can still get affordable car insurance in Inverness that meets your needs by following the tips provided above. 

Click on the link to find affordable ways to get car insurance in Inverness.

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