Compare Car Insurance in Edinburgh

How to Get Best Car Insurance in Edinburgh?

While car insurance premiums in Edinburgh can be higher than the national average, there are several ways to help reduce your costs:

1. Compare quotes from multiple providers: Shopping around and comparing quotes from different insurers is one of the most effective ways to find cheap car insurance in Edinburgh.
2. Choose a car with a low insurance group rating: Cars with smaller engines, lower value, and better safety features are generally cheaper to insure, i.e. type of car will affect cost of your car insurance.
3. Increase your voluntary excess: By agreeing to pay a higher excess in the event of a claim, you can often lower your annual premiums. Just make sure you choose an affordable excess amount.
4. Build your no claims discount: Each year of claim-free driving can earn you a significant discount on your Car Insurance premiums. In Edinburgh, drivers with 5 years or more of no claims can save up to 65% on their premiums.
5. Consider black box insurance: As mentioned earlier, telematics policies can offer reduced premiums for safe driving, especially for young or inexperienced drivers. In Edinburgh, black box insurance can save drivers up to 25% on their premiums.
6. Pay annually: If you can afford to pay your car insurance premiums in one lump sum, you can often save money compared to paying in monthly instalments. In Edinburgh, paying annually can save drivers up to 10% on their premiums.
7. Limit your annual mileage: Lower annual mileage can result in lower premiums, as it reduces your risk of being involved in an accident. Edinburgh drivers who travel less than 7,000 miles per year can save up to 10% on their Car Insurance.
8. Improve your car's security: Installing approved alarms, immobilisers, and tracking devices can help lower your insurance costs. In Edinburgh, cars with approved security devices can qualify for discounts of up to 5% on their premiums.
9. Consider adding an experienced named driver: Adding an older, more experienced driver to your policy can sometimes lower your premiums, as it's seen as a way to reduce the overall risk associated with the policy.

Optional Extras for Edinburgh Car Insurance

When comparing car insurance quotes in Edinburgh, you may come across range of optional extras that can be added to your policy for enhanced protection. Some common examples include:

• Breakdown Cover: Provides assistance if your car breaks down, including roadside assistance and repairs or towing services. In Edinburgh, adding breakdown cover to your Car Insurance policy can cost around £50 to £150 per year.
• European Breakdown cover: Extends your breakdown cover to include assistance when driving in Europe, ensuring you are protected even when travelling abroad. This can be especially beneficial for Edinburgh drivers planning road trips across the continent.
• Legal expenses cover: Covers legal costs associated with pursuing or defending claims related to a car accident. In Edinburgh, legal expenses cover typically costs between £20 and £50 per year.
• Personal accident cover: Offers compensation if you or your passengers are injured or killed in a car accident. Personal accidental damage cover in Edinburgh can cost around £30 to £100 per year.
• Courtesy car cover: Ensures you have access to a replacement vehicle while your car is being repaired following a claim. In Edinburgh, courtesy car cover can add around £20 to £50 to your annual car insurance premium.
• No claims discount protection: Allows you to maintain your no claims discount even if you make a claim on your policy. Protecting your no claims discount in Edinburgh typically costs an additional 5% to 10% of your base premium.
• Windscreen cover: Provides cover for the cost of repairing or replacing your car's windscreen if it's damaged. Windscreen cover in Edinburgh can cost around £30 to £50 per year.
• Key replacement cover: Covers replacement costs in case you lose or damage your car keys, providing coverage for the cost of replacing or repairing them. In Edinburgh, key replacement cover is a convenient add-on that can typically range from £15 to £30 per year. This additional feature ensures peace of mind for drivers in case of unexpected key issues while on the road or at home.

While these optional extras can provide added peace of mind, they will also increase your premiums, so consider which ones are most important to you and balance them against the additional cost.

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