How can I save on my Seat car insurance?
When it comes to car insurance, there are fixed and variable factors that affect what you're likely to pay. Your age and driving history are examples of factors that are out of your control. But the good news is that there are other ways you can consider to help bring down the cost of car insurance premiums. These include:
Accurately estimating annual mileage
When you're searching for car insurance quotes, you'll typically be asked to estimate your annual mileage. This can be a double edged sword.
Why? If you overestimate this, you could end up paying more than necessary. If you underestimate your mileage, you could put your ability to claim at risk! You're only covered for the amount of miles you put in when you're getting a quote.
Your occupation
You might be wondering how your occupation affects the cost of your car insurance. So it might be surprising to learn that some job titles have higher insurance prices than others. Commuting to your workplace could increase your car insurance premium. But beware, changing your job title simply to get cheaper insurance could risk invalidating your policy.
Comparing quotes
Using a price comparison website to compare car insurance quotes is a useful way to get an idea of what you can expect to pay. You might also find you save some money. According to our research, 20 days(1) before your insurance runs out is the best time to buy car insurance.
Paying upfront
Insurers tend to charge interest for spreading costs over a monthly basis. As a result, paying for your insurance annually, rather than monthly, can work out as a cheaper option!
(1)Based on Confused.com data, Q4 2024.
What car insurance group is my Seat in?
Car insurance groups are designed to reflect various elements of your car and its risk profile. Cars are usually put into groups from one to 50. The group your car's in will depend on:
Typically the higher the group, the more risk it presents to insurers - so the more you’ll pay.
The insurance group the car will fall into depends on several factors:
- The car's value: If you have an expensive car, it's likelier to fall into higher insurance groups.
- How safe the car is: Safety features can help reduce the chances of collision. The presence of ABS brakes, for example, mean a car is more likely to fall into a lower group.
- The power of the engine: Speedy and powerful cars can pose a risk, so they usually fall into higher groups.
- The security features: The greater level of security measures your car can offer helps lower its group
- Repair costs: The availability of replacement parts and repair costs for your car are taken into account.
Find out what insurance group your car is in
Checking the insurance group of your car can give you a good indication of what you can expect to pay for car insurance. You can use our car insurance group tool to find out what group your Seat is in:
Car insurance group checker
The car
Insurance group
Group
9/50
What additional cover can I get for my Seat?
Additional cover can help build your policy to suit your needs. Some of the extras include:
Windscreen cover
Discovering a chipped or cracked windscreen is a heart-sinking feeling. Having windscreen cover in place can financially protect you if your windscreen, side or rear windows need to be repaired or replaced.
Breakdown cover
Is there to provide you with timely assistance if your Seat were to breakdown at the roadside. The extent of breakdown assistance can vary based on your policy, but common features include: roadside assistance, home start and local and national recovery.
Courtesy car cover
This will provide you with a courtesy car if your Seat needs to go in for repairs at an approved garage. Some insurers offer this up as a standard part of your policy, but you should always check first.
Personal accident cover
Personal injury cover protects you in the event an accident causes serious injury or death. The exact amount paid out from a claim typically depends on the severity of the injury. Accidents causing specific injuries or permanent disabilities outlined in your policy might come with a fixed payout.
Motor legal cover
Could help cover the costs of legal advice and any solicitors’ fees relating to a car insurance claim or other disputes. For example, if an accident isn't your fault - but you suffer an injury, motor legal cover can help you take them to court to recover costs.
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