What affects the price of car insurance?
Insurance costs are determined by a number of factors, these include:
Where you live: living in rural areas that are less built-up could mean you're at less risk of theft. More built-up areas with higher rates of vehicle theft will mean you're likely to pay more for insurance.
Your age: younger drivers are generally considered higher risk by insurers because they normally have less experience on the roads than older drivers. It also means that statistically they're more likely to be involved in an accident.
Your occupation: insurers consider some jobs to be more risky than others. Factors such as how much time you spend on the road, where your car is likely to be kept while you're working or the types of people you're likely to associate with are all taken into account.
Your car: insurers rank vehicles from insurance groups 1 to 50, with 1 being the cheapest to insure and 50 being the most expensive. Where your Ford ranks will be a factor for insurers when working out insurance costs.
Your driving history: having previous claims or driving convictions will impact how much insurance will cost.
Car insurance group checker
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How can I save on my Ford car insurance?
The price you pay to insure your Ford will depend on a number of factors, such as your age and driving history. However, there are things you can do to try and bring down the cost:
Pay annually rather than monthly
By paying annually, you can save on your car insurance. This is because if you choose to pay monthly, interest will be added to the cost.
Add a named driver with a good driving history
This can be especially helpful if you're a young driver. But make sure you're honest about who the named main driver is. This is known as 'fronting', which is illegal and can result in your insurance being invalidated.
Increase your voluntary excess
The most popular excess amount is £250. Generally, the higher you set your excess, the lower your premium could be. Just make sure you set it at a level that you can afford to pay.
Shop around and compare quotes
Comparing car insurance quotes is one of the best ways to ensure you're getting the best deal. Our data suggests the best time to buy your policy is around days before your renewal date2.
Estimate your mileage accurately
Typically, the more miles you drive, the more your insurance will cost. This is because the more driving you do, the more likely you are to put in a claim. Our customers drive 6,574 miles per year, on average2. If you don't drive many miles, a pay as you go policy could suit you better.
Improve your car's security
Add a car tracker, immobiliser or steering wheel lock to help reduce the chances of your Ford being stolen. Parking in a secure garage rather than on a dimly lit street can also help reduce the chances of your car being stolen.
Build up your no-claims bonus (NCB)
Each year you're insured without making a claim, your no-claims bonus will increase. Insurers offer discounts for each year of NCB you build. Some policies will allow you to protect your no-claims discount, so you can make a certain number of no-fault claims in a year and not lose your NCB.
What insurance can I get for my Ford?
There are 3 levels of car insurance you can choose from:
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