Car Insurance Dumfries

Dumfries Car Insurance

Dumfries is a popular tourist destination for many visiting Scotland. Whilst this is completely understandable given the cities rich history, festivals and other attractions, this can also highlight the importance of having the right insurance coverage. Busy times of year can significantly increase traffic accidents, in fact the number of serious accidents in Dumfries rose by 20% between 2020 and 2021. In 2021, Dumfries recorded 2,089 road accidents. This is to be expected for a town that draws in many visitors, especially over certain periods of year. Having a good car insurance policy that covers all your needs is the best protection against being left out of pocket following an accident.

Getting car insurance in Drumfries

You can purchase car insurance as a Dumfries driver multiple ways. You might be thinking of looking into a local car insurance broker in order to get an idea of what they might offer. Whilst there is no real harm in doing this, you may be limiting yourself to a smaller panel of insurers than an online comparison site. If you decide to search for quotes online you will likely have a greater amount of choice with your insurance options.

Some reasons that car insurance may be more expensive for Dumfries drivers

There are a few reasons why the average cost of car insurance may be higher for Dumfries based drivers. According to Insuro, the average monthly car insurance premium in Dumfries is £75. This is higher than the national average of £69.

• Dumfries has a relatively higher crash rate than the UK average. This can cause insurers to raise premiums for drivers in this area as a way of compensating for the increased risk.
• Dumfries has a larger number of young drivers than older drivers on it’s roads. Younger drivers are viewed as a greater risk to insure than older drivers however even if you are over 25, having a larger number of young drivers in your area can drive up premiums for all.
• The cost of repairs carried out in Dumfries is higher than average when compared with other UK cities.

Just because you live in a city that is more expensive, doesn’t mean you need to accept a more pricy quote. There are some things you can do regardless of where you live in the UK.

• Opt for a black box or telematics insurance policy
• Opt for a higher excess (Be sure this is an amount you can afford)
• Insure an older driver on your car if you are young, parents for example.
• Opt for a car in a lower insurance group
• Comprehensive insurance policies are sometimes cheaper than third party

Comparing car insurance companies

One of the easiest ways of finding the best insurer for you is to simply compare multiple insurance companies when it comes time to take out a policy and not allowing it to auto-renew. Companies typically save their best offers for new customers and so loyal customers may miss out on great deals by just staying with their current insurer. By having more car insurance quotes to compare, you can significantly increase your chances of finding the cheapest car insurance option for you – That’s where we can help.

Quotezone.co.uk has compiled a panel of over 100 insurance providers so you can easily compare multiple quotes in one place. This means you can be more sure that you are finding the best deal for you.

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