How can I get the best price for over 70s car insurance?
You can get cheap car insurance once you are over 70 but you might find prices start to sneak up a little as you get closer to 80, however.
Don’t be disheartened if your quote has increased on last year’s, because there are a few things you can do to help reduce the price.
Here’s what you can do to get cheaper over 70s car insurance:
- Accurately estimate your mileage
- Increase your voluntary excess
- Avoid auto renewal
- Pay annually if you can
Accurately estimate your mileage. Insurers use mileage as a rating factor when calculating the cost of your insurance. You might find you’re doing fewer miles now that you’re in your 70s. Reducing the total mileage – even slightly – might help save you money.
Increase your voluntary excess to lower the cost of your insurance quote. Just make sure you can afford to pay the selected amount if you make a claim.
Avoid auto renewal with your current insurer. You should receive a renewal quote from your insurer when your insurance is due to expire. It’s tempting to accept the first offer but remember there are savings to be made by comparing quotes. If you’ve been with the same insurer for several years, your premium might start going up. Many insurers offer discounts to new customers.
The good news is, all insurers are now legally required to show you what you paid last year. This makes it even easier to see whether you’re being charged more for the same level of cover. We encourage comparing quotes and switching when you find a better deal.
Pay annually if you can. Most insurers charge interest if you choose to pay monthly. If you can afford to pay for the whole policy in one go, then you could save up to 16%2 on your quote vs monthly payments.
Find out more ways to get cheaper car insurance.
2Based on Confused.com data Jan 2022 - Jun 2022
What our expert says:
As well as letting the DVLA know about any medical conditions, it's important you also inform your insurer. If you don't let them know about a condition that could affect your driving, it might invalidate your policy and put you at risk of a £1,000 fine.
Car insurance expert
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