Brighton Car Insurance Quotes

Brighton Car Insurance

Get Cheap Car Insurance From Our Panel Of UK Based Insurance Specialists

Finding cheaper insurance whilst living in a city can be more tricky than when you live in a more rural area. With Brighton being one of the more expensive cities to live in the UK, it’s important to increase your chances of finding the cheapest car insurance for you.

How can I get cheaper car insurance?

Just because it’s more expensive to insure your car whilst living in a city doesn’t mean you have to settle for higher prices. You can compare multiple insurance options to increase your chances of finding cheaper insurance prices. Here are some examples of further steps that can be taken to increase your savings on insurance premiums.

1. Shop around and compare many quotes – The chances of you finding a deal go up significantly when you take the time to compare multiple quotes from different providers. This reduces the chances of you being bottled in to the first offers you come across. Luckily, Quotezone has compiled a panel of over 110 insurers to give you the variety of choice which is critical for finding the best deal for you.
2. Only choose insurance that you need – Selecting additional add-ons such as breakdown cover and windscreen cover can give you added peace of mind but they will also increase your premiums. Be sure that the cover you are choosing is the cover you need to avoid unnecessary cost.
3. Opt to pay a higher excess – By choosing to pay a higher excess amount you’ll be able to reduce the amount that an insurer needs to pay out in the event of a claim. This means you’ll be offered a lower charge on your premiums. However make sure that you are able to afford the amount you opt to pay in the event of a claim.
4. Avoid penalty points & fines – Getting 3 penalty points against your licence can raise premiums by up to 25%.
5. Check for discounts – No insurer will always have the cheapest prices all of the time. This means it’s important for you to compare quotes from across the market.

Car insurance is essential but it still doesn’t have to break the bank. By shopping around and choosing the right coverage and comparing multiple providers you can save money on your car insurance premiums without compromising your protection.

Is car insurance more expensive for Brighton drivers?

It is true that city drivers do face higher insurance premiums, there are some factors which are equally if not more important than location:

• Age – A younger, less experienced driver will face higher premiums than a driver who has been behind the wheel for many years. This is because a younger driver has less driving history to evaluate and so are deemed more risky to the insurer.
• Make and model – The make and model of your car is an important factor in your insurance costs as vehicles with more powerful engines tend to have a greater risk attached to them. This means you’ll need to pay more on your premiums if you have a high performance vehicle.
• The level of coverage you choose – Typically the more comprehensive the coverage you choose, the more you will pay on your premiums. However there are cases where third party insurance can be more expensive than comprehensive cover.
• Penalty points – Being given penalty points can increase the risk you pose to insurers. In fact you could face a premium hike of 25% if you get just 3 penalty points.

With this is mind you shouldn’t worry an excessive amount about how being based in Brighton may impact your premiums. The best way of saving on your premiums is simply to compare as many quotes as possible to find the best deals for you.

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