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How do I get cheaper car insurance for over 50s?
Decide the level of cover and add-ons that you need. Don’t forget that add-ons can hike up the cost of your insurance. Once you know what you want you can compare different levels of car insurance and choose the option that best suits your needs.
Although comprehensive car insurance offers the highest level of cover, it can work out the cheapest option too.
Some other ways to get cheaper car insurance include:
- Avoid auto-renewal
- Pay annually, if possible
- Increase your voluntary excess
Avoid auto-renewal, even if you’re a loyal customer. You could see the price of your insurance go up each year, even if you’ve not made a claim. To make sure you’re getting our best deal, compare quotes before your policy is due to renew. Doing this could save you up to £159**.
Our research shows that 3 weeks before your insurance is due is when you’ll usually see the best prices1. If that’s not enough of a reason to compare, we also guarantee to beat your renewal price. And if we don’t, we’ll give you the difference plus £202.
Pay annually if you can afford to as most insurers charge interest on monthly payments. If you have the cash to pay up front, you could save up to 15% on your quote1.
Increase your voluntary excess. If you’re willing to pay a bigger car insurance excess, you could pay less for over 50s car insurance. Just ensure you’ll be able to afford the excess in the event of a claim.
Find out more ways to cut the cost of your car insurance.
1Based on Confused.com data - January - September 2021. 2Single annual policy only. T&Cs apply. Must be a like-for-like policy.
Types of car insurance
Black box car insurance
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
Classic car insurance
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Business car insurance
covers you if you use your car for work, including travelling between offices or across the country.
What our expert says:
As well as your price for this year’s cover, your renewal documents should show you what you paid last year. Don’t just accept that price though. Shop around and compare quotes – it could be one of the easiest ways to save yourself a lot of money!
Alex Kindred
Car insurance Product Manager
Need more help?
Do I need a health check to get over 50s car insurance?
No, you don’t need a health check to buy insurance when you’re over 50. But you’re required to declare any medical conditions that may affect your driving to the DVLA and your insurer.
Is car insurance cheaper for over 50s?
Once you reach 50 you should see a reduction in the price you pay for your car insurance. This is because experience shows older drivers are less likely to have an accident or make a claim. Our data shows that the average car insurance cost for over 50s is £613 cheaper than those in their 40s.
3Based on fully comprehensive car insurance quotes from October 2021 - December 2021.
Why is my car insurance more expensive now I’m over 50?
Generally, the more driving experience you have, the cheaper your car insurance could be. But other factors might affect your price. If you’ve bought a new car, moved to a new area, or increased your annual mileage you may see your premium change.
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