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Automatic Car Insurance

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Insurance for Automatic Cars 

Understanding all the different factors that influence the cost of insuring your car can be mind-boggling. So many things can alter the risk profile of your automatic car and make it easier or more difficult to get cheap car insurance. For instance, any added security features could reduce your premium, or if you add something to your vehicle to improve its performance you could be looking at a higher premium.

It is therefore very reasonable to think that insurance costs for cars with different transmission systems would be different, but surprisingly, this aspect of the car does not usually affect insurance costs. 

When looking for automatic car insurance, it won’t be your transmission system that influences your premium but rather things like your age, address and even your driving history that will have the biggest impact on your insurance costs. 

Is automatic car insurance different from insurance for a manual car? 

Broadly speaking, there are no major differences between insurance for a manual car and insurance for an automatic car. Here are a few things that will be taken into consideration when insurers prepare your automatic car insurance quote: 

  1. Driver – Age of the driver and the driver’s experience.  
  2. Vehicle – Make, model, year of manufacture and safety features of the car. 
  3. Type of Cover – There are different levels of cover. Comprehensive, third-party, fire and theft, or third-party only
  4. Annual Mileage – The less you drive in a year the lower the risk. 
  5. Address – Your postcode will be associated with the crime and accident statistics in your area. This will influence the cost of your insurance.  

Whether you need auto car insurance or manual car insurance, all cars need at least third party insurance coverage by law in the UK regardless of the transmission type.  

Does every insurance company offer insurance for automatic cars? 

In most cases, insurance companies will offer insurance for manual and automatic cars. Both types of transmission are very common and would not be difficult to fix or replace should that ever need to happen. 

Rather, Insurance providers consider factors such as your driving record, the make, model, and value of your car as well as the safety features of your car. When shopping around and comparing different insurance policies make sure you provide them with accurate information about yourself and your car. 

When looking to insure an automatic car you’ll need to specify that your car has an automatic transmission when starting the quote comparison process. Every insurance company will have slight differences. 

Coverage levels and premiums will differ based on many factors, so it is important to shop around and compare as many options as possible.  

Are automatic cars more expensive to insure? 

Insurance providers use different criteria to calculate the cost of car insurance, but interestingly enough, transmission type is not usually one of them. 

The driver’s profile, location, annual mileage and the level of cover selected are more influential factors that insurance providers consider when calculating the cost of insuring your car.

Make sure you shop around and compare automatic car insurance policies to get suitable coverage. By using a comparison site like Quotezone.co.uk you can quickly and easily automatic car insurance at competitive prices. 

Are automatic cars more likely to be involved in an accident? 

The transmission type of a car doesn’t typically determine whether it is more likely to be involved in an accident. The potential of a car being involved in an accident is more related to the driver and the other drivers on the road. 

Being distracted while driving, driving fast or driving under the influence are factors that are much more likely to result in an accident. 

Drivers need to be aware of the general condition of their car, their experience with driving as well as the condition of the road and weather because these are factors that will increase the chances of getting involved in an accident. 

Transmission type won’t have a direct impact on the chances of an accident happening, you will need to be responsible in any type of car.  

How do I find the best insurance for an automatic car? 

Finding the best insurance for an automatic car can be a daunting task, there are a few steps listed below that might help you through the process:  

  • Consider your budget and your individual coverage needs.  
  • Be aware of the terms and conditions of different policies so you arent overpaying for features you don’t need.  
  • Investigate possible discounts that may apply to your situation.  
  • Collate as many quotes as possible, this will help you find the best-fitting policy for your needs and budget.  
  • Make sure you do enough research about your type of car, such as the make and model. 
  • Make an effort to understand the different types of car insurance.  
Which is the cheapest automatic car to insure? 

There are a variety of different factors that impact the cost of insurance for automatic cars, it is not just a simple task of finding the cheapest car to insure. Generally, insurance companies calculate rates on a case-by-case basis meaning premiums are unique to your situation and circumstances. 

Because every insurance premium is calculated independently, what one person might pay to insure their car will be different to what you might pay. Cars with less powerful engines and more safety features tend to be cheaper to insure, factors like crime rates, the resale value of your car as well and what it will cost to fix your car if it is in an accident will affect the cost. 

It is recommended to collate as many different quotes as possible when looking for cheap insurance for an automatic because you will be able to compare all the different options that might be available to you. Make sure your insurance policy fits your needs and your budget but be sure that you are insured adequately.  

If my automatic car is an import from the US will that affect the cost of auto car insurance? 

Although bringing a car into the UK from the US can affect the cost of insurance, multiple factors are considered when calculating the cost of insuring an imported car. Some of the factors considered are listed below:  

  • Specifications of the car (any modifications or special features).  
  • Access to spare parts.  
  • Imported cars have to meet local requirements and will need paperwork to provide proof.  
  • The value of the car where it was manufactured and in the UK.  
How can I find cheap insurance for automatic cars? 

Listed below are a few steps you can follow to assist you in the process of finding cheap automatic insurance:  

  • Consider purchasing a car with strong safety features. 
  • Take additional driving courses.  
  • Reduce the distance you travel.  
  • Opt for higher excesses. 
  • Compare as many quotes from different service providers as possible.  
  • Some insurance companies offer bundle policies if you insure more than one asset on the same policy.  

Bear in mind that every insurance provider has different underwriting criteria and places more importance on certain factors than others. There are multiple different options available to you. When spending time researching and comparing quotes you will be able to find the most suitable policy for your needs and your budget.  

*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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