What can you do if your car is in a higher insurance group?
If you find out that your car is in one of the more expensive car insurance groups, there should still be ways of trying to bring down the cost of your premiums.
First, do a car insurance comparison with comparethemarket.com to get a good idea of prices from a wide range of providers. You’ll get a list of quotes and it can be quite easy to see how different factors might bring down the cost of your insurance. For example, you might be able to put in a higher voluntary excess. (Just remember, if you do make a claim, you’ll have to pay both the compulsory and voluntary excess, so make sure you can afford the voluntary excess you choose.)
You can also check what’s included in the policy. If having breakdown cover or a courtesy car doesn’t matter much to you, look for policies that don’t include these options. You could find this reduces the cost of your premium – just don’t remove them if you think you might need them.