7 Proven Ways to Lower Your Car Insurance Premiums | Rooster
Car insurance can be a significant expense, but there are several ways to reduce your costs without sacrificing cover. If you’re looking to lower your car insurance premiums, follow these seven proven strategies to get the best deal.
1. Improve Your Driving Record
Your driving history plays a huge role in determining your premium. Safe driving habits—such as avoiding speeding, harsh braking, and claims—help keep your costs low. Some insurers even offer discounts for tracking your driving habits through an app.
2. Increase Your Voluntary Excess
Opting for a higher voluntary excess can lower your monthly or annual premium. Just make sure you can afford to pay the excess if you need to make a claim.
3. Reduce Your Annual Mileage
The more you drive, the higher your risk of an accident. If you can limit your mileage—by carpooling, using public transport, or working from home—you could be eligible for a lower premium.
4. Consider Telematics Insurance
A telematics or “black box” policy tracks your driving behaviour and rewards safe driving with cheaper insurance. If you’re confident in your driving skills, this could be a great way to lower your car insurance premiums.
5. Park Your Car Securely
Where you park overnight affects your insurance cost. Keeping your car in a garage or driveway is safer than leaving it on the street and can result in lower premiums.
6. Pay Annually Instead of Monthly
Paying your insurance in one lump sum often works out cheaper than monthly instalments, which usually include interest charges.
7. Compare Quotes Before You Renew
Loyalty doesn’t always pay with car insurance. Always compare quotes before renewing to ensure you’re getting the best price. At Rooster, we search over 100 providers to find you the cheapest deal—even if it’s not with us.
Find Cheaper Insurance with Rooster
Looking to lower your car insurance premiums? Rooster helps you save with flexible cover and access to the best rates on the market. Like a comparison site, but better.
Download the Rooster app today and start saving!
