When searching for auto insurance in the United Kingdom, many drivers prioritize finding the cheapest rates available. However, it’s equally important to consider the safety ratings of vehicles. Cars with high safety ratings tend to qualify for lower insurance premiums due to their advanced safety features and lower risk of accidents. In this article, we will explore the cheapest auto insurance rates for vehicles that have high safety ratings, providing you with valuable insights to save money while ensuring you’re covered.
One of the first steps in finding affordable auto insurance is to select a vehicle with excellent safety features. Cars equipped with technology such as automatic emergency braking, lane departure warnings, and multiple airbags have a better chance of avoiding accidents, which translates into lower insurance costs. The Insurance Institute for Highway Safety (IIHS) and Euro NCAP provide safety ratings that can guide your vehicle selection process.
Some of the top vehicles known for their exceptional safety ratings in the UK include:
- Volvo XC60: Renowned for its safety features, the Volvo XC60 combines luxury with unparalleled safety scores.
- Toyota Corolla: This compact car is recognized for its reliability and high safety ratings, offering a balance of affordability and security.
- Honda Civic: With strong crash test results, the Honda Civic remains a popular choice for budget-conscious drivers.
- Ford Focus: This well-rounded vehicle offers advanced safety tech and low insurance costs for drivers seeking economical coverage.
Not only does selecting a high-rated safe vehicle help in lowering insurance rates, but it also offers the added benefit of ensuring your safety on the road. However, to secure the best auto insurance rates, consider the following tips:
Compare Multiple Insurance Providers
Different insurance companies may offer varying rates for the same vehicle. Use comparison websites to quickly obtain quotes from multiple providers. Websites like Compare the Market, Confused.com, and MoneySuperMarket can provide all the necessary information to make an informed decision.
Consider Usage-Based Insurance
Usage-based insurance (UBI) offers premiums based on your driving habits. If you drive less frequently or maintain a clean driving record, you might benefit from this type of insurance, which can lead to significant savings.
Increase Your Voluntary Excess
Raising the voluntary excess on your policy can lower the overall premium. However, make sure that you can afford the excess amount in the event of a claim. Finding the right balance here is crucial.
Maintain a Clean Driving Record
Your driving history significantly impacts your insurance rates. A record free from accidents and violations will not only help you qualify for discounts but also prove to insurers that you’re a low-risk driver.
Take Advantage of Discounts
Many insurers offer various discounts such as multi-car policies, no-claims bonuses, or safety equipment discounts. Inquire about any available discounts when you get quotes.
In conclusion, driving a vehicle with high safety ratings can significantly reduce your auto insurance rates in the United Kingdom. By choosing wisely and implementing a few strategies, you can find affordable insurance while ensuring a safer driving experience. Be proactive in your search, regularly compare quotes, and don’t hesitate to explore all available options to maximize your savings.
