How can I save on my Skoda car insurance?
We all want to get the best possible deal for our car insurance. There's a few ways you can save on car insurance for your Skoda:
Pay upfront
Paying upfront can make your insurance costs go down. Paying annually is cheaper overall, as you don't have to pay interest. And once you've paid, you won't have to think about it again for another year.
Build no-claims bonus
Building up a no-claims bonus is a great way to save. Insurers reward drivers who don't make claims with discounts on their insurance.
Compare quotes early
If you compare car insurance quotes early, you could potentially save. 20 days before renewal can get you the best price on your insurance. It'll also give you peace of mind that you've got it sorted.
Add a named driver
Adding an older, more experienced named driver to your insurance policy can also cut the costs. Make sure that you aren't lying about who the main driver is though. This is a type of car insurance fraud called fronting. Fronting is illegal, and could mean your policy gets cancelled, or you may be prosecuted.
Mileage
Your insurer will ask you to work out your annual mileage when you buy a policy. It's important to be as accurate as possible, otherwise your insurance policy could be invalidated if you make a claim. If you're someone who has a low annual mileage, your insurance costs could go down. This is because insurers see you as less likely to have an accident if you're using your car less.
For more ways to save, read our tips for cheaper car insurance.
What insurance group is my Skoda in?
Car insurance groups range from 1-50 and have an affect on how much you'll pay for insurance.
The group number your car is assigned will be based on a number of factors. For example, its value when new, cost of parts, repair time, safety features, performance, and security features. These help insurers work out how likely it is to be involved in a costly claim.
Skoda models tend to fall within groups 10-15. Smaller models like the Fabia are often in lower groups (around 2-5) and larger models like the Octavia or Superb in higher groups (around 12-15).
Models like the Citigo and Fabia typically fall into lower insurance groups due to their smaller size and lower performance. Larger models like the Superb and Kodiaq with more powerful engines may be placed in higher insurance groups.
Factors like your postcode, occupation, and average mileage will also affect the cost of your insurance.
You can find out what group your Skoda is in by using our car insurance group checker.
Car insurance group checker
The car
Insurance group
Group
9/50
What additional cover can I get for my Skoda?
All car insurance policies come with a selection of optional extras for you to choose from. Here are some of the most popular choices:
Windscreen cover
Windscreen cover can help replace the windscreen, side or rear windows on your car, as well as repair any cracks or chips. Some policies will charge an excess for this, so be sure to check with your insurer.
Breakdown cover
You'll get roadside assistance if your car breaks down. You can often get different levels of breakdown cover through providers, so it's just a case of picking the one that's right for you.
Motor legal protection
This covers you against the costs of things like solicitor fees, travel costs and treatment you need after an accident that wasn't your fault. It's also often referred to as legal expenses cover.
Courtesy car cover
Courtesy car cover entitles you to a temporary replacement car while yours gets repaired by a mechanic.
Personal accident cover
This protects you or your family financially if you're involved in an accident.
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