Car Insurance Inverness

Car Insurance Inverness

Ideally located to enjoy everything the beautiful Scottish highlands have to offer along with all the modern comforts of city living, Inverness is a great city to be based for either leisure or work. Regardless of where or why you’re driving in Inverness, you’ll need to be insured before you get behind the wheel – that’s where we can help.

How to get cheaper car Insurance in Inverness

City drivers do tend to have higher premiums than those who drive in more rural areas. This is simply due to the risk factor of city drivers to insurers as a result of higher accident and theft rates. This is to be expected in urban population centres with more cars and people in a smaller area. This doesn’t mean that you have to be stuck with larger premiums however as their is a simple way of finding cheaper car insurance for Inverness based drivers.

• Compare multiple quotes – This is the easiest way of getting cheaper car insurance is by comparing multiple providers. This is because it increases your chances of the best deal for you.
• Avoid modding your car – Modding your car can significantly increase your premiums and may even void your current policy.
• Don’t get penalty points – Just getting 3 penalty points can drive up your premiums by as much as 25%.
• Avoid getting into accidents – This is perhaps the most obvious advice but nothing pushes up premiums like making a claim. By staying clear of accidents you can also build up a no claims bonus over time with many providers.

Should I use a Inverness car insurance broker?

Whilst it is smart to compare multiple quotes from differing sources, you many be limiting yourself if you just go through a broker. Whilst many brokers will sell themselves on knowing the local market, they are usually limited in their panel of insurers. They are also incentivised to sign you up with their panel members even if it is not the best deal available to you on the market. Here at Quotezone.co.uk we’ve compiled a large panel of over 100 insurance providers so you can compare the market fast. This increases your chances of finding the cheapest car insurance fast.

What are the types of coverage available?

Third party (TPO): This is the minimum legal requirement for driving across the UK. It insures you against damages you may cause to a third party as a result of an at fault accident. Your own vehicle will not be covered however.

Third party, fire, and theft (TPFT): This will offer you the exact same cover as a third party insurance policy along with additional coverage against fire and theft.

Comprehensive cover: The is the most comprehensive level of coverage available and includes all the coverage offered by TPFT along with cover for your own vehicle in the event of an at fault accident.

If you’re still wanting additional coverage included in your policy, such as windscreen or breakdown cover, you can have these worked into your policy as an add-on. Add-ons are offered by most insurers and can usually be added into your quote before taking out the coverage.

Compare Inverness Car Insurance Quotes