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Car insurance quotes Exeter

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Exeter Car Insurance 

Exeter is a city steeped in history. Founded on the banks of the River Exe, the city has gone through many changes. Many of the historic buildings like the Exeter Cathedral and the Exeter Clock Tower still feature prominently. Luckily for Exeter-based motorists, the southwest of England is currently one of the cheapest regions of the UK for car insurance. Motorists in the region can expect to pay an average of £782.27. This is in stark comparison to the £1369.61 paid on average by London-based motorists. If you would like to see how much your premiums could be for Exeter car insurance, visit Quotezone.co.uk. You will be able to quickly and easily compare insurance quotes and information from over 110 car insurance providers from across the UK. With the click of a button, you may well find the competitively-priced insurance coverage you are looking for. 

How much does car insurance in Exeter cost? 

There are several different factors that insurance companies take into account when calculating the costs of car insurance in Exeter. These can include: 

  • Your profile – Your age, driving record, credit and claims history.  
  • Your vehicle – Its age, model, power and claims rates. 
  • The level of coverage you require – Whether it is comprehensive, third party, fire and theft, or third party only coverage. 
  • Your circumstances – Your location, occupation, marital status and where you park your car overnight.  

Whilst the regional average is £782 as of January 2024, the exact cost of your car insurance could vary greatly from this. For example the average annual premium for young drivers between the ages of 18 and 24 in the same region was £1,714.21.To get accurate and up-to-date information on the costs of Exeter car insurance specifically, it is recommended that you visit an online comparison website like Quotezone.co.uk. 

Is there anything I can do to reduce the cost of car insurance in Exeter? 

There are several different methods that you can use to get cheaper car insurance quotes in Exeter, including: 

  • Bundling policies 
  • Increasing your voluntary excess 
  • Adjusting your coverage 
  • Paying your premium in full 
  • Lowering your mileage 
  • Maintaining a good driving record 
  • Parking in a secure location 

The most basic step, however, would be to shop around and compare quotes from as many insurance providers as possible. Tools like online comparison websites can make this comparison much easier and faster. 

How do Exeter car insurance premiums compare with other cities in Devon?  

To compare car insurance in Exeter with other cities in Devon and get accurate, relevant information, you would need to obtain quotes from insurers, based on your particular circumstances, and the specific coverage you are looking for. Comparison tools like Quotezone.co.uk can make it quick and easy to make these comparisons. There are however general considerations that insurance companies take into account that apply to basically any location including Exeter and other cities. These factors focus on: 

  • The crime rates 
  • Population density 
  • Weather and environmental conditions 
  • Traffic volumes 
  • Rates of claims in the area 

Insurance companies will use statistical data based on these factors to determine insurance rates for a particular city or location. Generally speaking, areas with larger population densities will have higher crime rates and traffic congestion. This results in more accidents, meaning people who live in these areas can typically expect to pay higher insurance rates. It is important to remember that insurers take many different factors into account when determining insurance rates, with location being one of many.  

Which insurance add-ons should I consider with Exeter car insurance?  

When deciding on what add-ons would be beneficial to you, it is important to assess your individual coverage needs and your budget. Add-ons typically increase the costs of your insurance premiums as they are designed to offer extra optional coverage, over and above what you could expect in a standard policy. Some add-ons are designed to give you peace of mind and personal cover like roadside assistance, courtesy car coverage, and personal injury protection. Others will provide added protection for your vehicle and can include GAP insurance, new car replacement, and even glass replacement coverage. As there are usually extra costs associated with each add-on that you join to your policy, you should discuss carefully compare products and their costs. 

Will living in a village outside of Exeter reduce my car insurance premiums? 

Cheap car insurance for Exeter drivers is potentially more obtainable when living in a village outside of Exeter. This is because villages and rural areas generally have lower insurance rates compared to urban areas. Insurance premium rates for specific locations are calculated based on statistical data, measuring how much risk the insurance company is exposed to in that area. Some of the key factors that insurers focus on are the population density, crime rates, and traffic patterns in a region. In cities like Exeter, the large population may lead to higher rates of theft, vandalism, and damage occurring. You will most likely experience more congestion and accidents due to the number of vehicles on the roads. Getting lower premiums because you live in a village is not a rule, however, as issues like having to drive further to access services and possibly having to use inferior roads could increase your premiums on an individual basis. 

Will adding security features to my car reduce the cost of car insurance in Exeter? 

Adding security features to your car could possibly reduce your insurance costs and result in cheap Exeter car insurance. Insurance companies usually offer discounts to policyholders who reduce the risks of theft and damage to their vehicles. Some of the common measures you could take would be to install an alarm, immobiliser systems, and GPS tracker devices. There are also visual and physical deterrents like wheel and steering wheel locks, VIN etching, and anti-smash window film. Where you park your car is also very important, with discounts offered for secure parking like locked garages. It is important to note that various insurance companies will weigh these security improvements differently. So, before you make any changes or improvements you should consult with them to find out which upgrades will be approved and will reduce your premiums. 

Can Quotezone.co.uk really get me cheaper quotes than a local car insurance broker in Exeter? 

Online comparison websites like Quotezone.co.uk help you to compare quotes from hundreds of insurance providers from across the UK, to assist you in finding cheap car insurance in Exeter. You can do all your research from the comfort of your own home. They are designed to offer transparent and competitive rates in one easily understandable list. Local insurance brokers offer a more face-to-face, personalised service which may suit some people’s preferences. At the end of the day, it would be advisable to make use of both tools when you are trying to source cheaper quotes. 

*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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