Compare Car Insurance in Glasgow

Compare Cheap Car Insurance Quotes in Glasgow

Glasgow drivers can find the best deals on car insurance by comparing quotes from over 110 providers. Whether you're looking for comprehensive cover, third-party policies, or specialised options like black box insurance, comparing quotes is the key to finding affordable car insurance in Glasgow.

Glasgow Road Accident and Car Insurance Claims Statistics

Glasgow's busy roads and high traffic volumes contribute to a significant number of accidents and car insurance claims each year. Consider the following statistics:

In 2023, the Glasgow City Council reported 1,523 road accidents, resulting in 2,015 casualties.

These figures highlight the importance of having the right car insurance cover to protect yourself financially in the event of an accident or claim.

How to Get Cheap Car Insurance in Glasgow

While car insurance premiums in Glasgow 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 Glasgow.
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.
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 Glasgow, drivers with 5 years or more of no claims can save up to 60% 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 Glasgow, 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 Glasgow, 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. Glasgow drivers who travel less than 7,000 miles per year can save up to 15% on their car insurance.
8. Improve your car's security:Installing approved alarms, immobilisers, and tracking devices can help lower your insurance costs. In Glasgow, cars with approved security devices can qualify for discounts of up to 5% on their premiums.

Optional Extras for Glasgow Car Insurance

When comparing car insurance quotes in Glasgow, you may come across various 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 repairs or towing services. In Glasgow, adding breakdown cover to your car insurance policy can cost around £50 to £150 per year.
• Legal expenses cover:Covers legal costs associated with pursuing or defending claims related to a car accident. In Glasgow, 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 accident cover in Glasgow 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 Glasgow, courtesy car cover can add around £20 to £50 to your annual car insurance premium.
• Protected no claims discount:Allows you to maintain your no claims discount even if you make a claim on your policy. Protecting your no claims discount in Glasgow typically costs an additional 5% to 10% of your base premium.

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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How does the cost of car insurance in Glasgow compare to other cities in the UK?

Car insurance in Glasgow tends to be slightly higher compared to other cities in the UK due to factors like high traffic volume, crime rates, and insurance claim history. However, rates vary based on individual circumstances such as age, driving record, and type of coverage selected.

Exploring Additional Coverage Options for Glasgow Drivers

While basic car insurance is mandatory, Glasgow drivers might want to consider additional coverage options for enhanced protection.

Accidental Damage Cover

Accidental damage cover is typically included in comprehensive car insurance policies but can be added to third-party policies. It covers the cost of damage to your own vehicle, even if you're at fault.

In Glasgow, claims for accidental damage made up 62% of all car insurance claims in 2023, with an average claim value of £2,800.

European Cover

If you're planning to drive abroad, European cover is a good idea. Most policies offer some level of cover in Europe, but it's often only third-party. For comprehensive cover, you may need to extend your policy.

Tip: Check your policy documents or contact your insurer before driving abroad. Some insurers offer European cover for up to 90 days at no extra cost.

Travel Insurance for Drivers

While not strictly car-related, travel insurance can provide additional protection when driving abroad. It can cover medical expenses, trip cancellations, and lost luggage.

In 2023, 35% of Glasgow residents who drove abroad also purchased separate travel insurance.