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Keep Your Road Trips Secure with the Ideal Luton Car Insurance

Luton is notorious for having very high car insurance premiums and has seen a big rise in the cost of car insurance in recent years. This is due to a mix of having a lot of young drivers, a high crime rate and a high volume of traffic. However it’s not all bad news if you live in Luton. It is still possible to find cover at an affordable rate, provided you take steps to keep costs down as much as possible.

One of the best ways to save money is by getting as many quotes as you can. You can get tailored Luton car insurance quotes now by clicking the green button.

Did you know…?

Since the cost of car insurance in Luton is significantly higher than the national average, it's recommended that you take any steps you can to lower the cost.

Do I Really Need Luton Car Insurance?

Yes. Although the high cost of insurance in Luton can cause some drivers to take the risk of driving without insurance, this is almost never worth it, since getting caught could easily result in points on your licence, a lengthy ban or even a prison sentence.

Luton Car Insurance Cover Options

The selection of your car insurance type has a significant influence on the level of protection you receive. The main types offered in the UK are:

  • Third-Party Only Insurance: This is the most basic form of car insurance and fulfils the minimum legal requirement in the UK. It caters to injuries to others and damage to other people's property, but doesn't cover damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This insurance is an upgrade from Third-Party Only coverage, providing additional protection against loss or damage to your car due to fire or theft.
  • Comprehensive Car Insurance: This provides the most complete coverage. It comprises all the features of Third-Party, Fire and Theft policy, and can also cover the cost of repairs or replacement of your car, regardless of who was responsible for the accident.

Did you know…?

Getting a more modest car and opting for a third party only policy are two good ways to keep car insurance affordable when you live in Luton.

Why It's Good To Get Luton Car Insurance Quotes Online

There are some great benefits of getting Luton Car Insurance quotes online. These include –

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.

Additional Types Of Luton Car Insurance

Some additional types of Luton Car Insurance to consider include –

  • No Claims Discount Protection: Keep your no claims discount safe and sound, even if you make a claim. This cover helps you maintain lower premiums for the future.
  • Key Cover: Lost or stolen car keys can be a headache. This cover takes care of the cost of replacement and the locksmith's charges.
  • Misfuelling Cover: If you've accidentally filled up with the wrong fuel, don't panic. This cover protects you from any subsequent repair costs.
  • Legal Cover: This cover offers financial protection against any legal costs you might incur from a legal dispute related to a road incident.
  • Excess Protection Cover: With this, the cost of your excess is covered should you need to make a claim. You won't be left out of pocket when you need help the most.
  • Windscreen Cover: This ensures your windscreen is protected against any damage, keeping your road view clear and safe.
  • Breakdown Cover: Car problems on the road? With this add-on, you'll receive roadside assistance whenever your vehicle breaks down.
  • Uninsured Driver Protection: This ensures you're not financially hit if an uninsured driver bumps into your vehicle. It covers your excess and protects your no claims discount.
  • Foreign Use Cover: Planning a drive outside the UK? This extends your cover for driving abroad, offering the same protection you enjoy at home.
  • Personal Accident Cover: Should a severe accident occur, this provides a financial safety net, covering you or any named driver for certain injuries.
  • Courtesy Car Cover: Car in for repairs? This cover ensures you get a courtesy car, keeping your daily life from being disrupted.
  • Child Car Seat Cover: In the event of an accident, this cover provides funds for the replacement of child car seats, even if they don't show any visible damage.

Did you know…?

You should always shop around when you're looking for car insurance in Luton, since you never know how much cheaper you might be able to find a policy.

Luton Car Insurance - Being Smart & Saving Money

In addition to getting quotes, you can also save money on Luton Car Insurance in these ways –

  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Add a Named Driver: Adding a more experienced driver to your policy could reduce your premiums, especially for younger or less experienced drivers. Be aware that the main driver must be the person who drives the most, as falsely declaring this (fronting) is illegal.
  • Consider Insurance When Buying a Car: If you're in the market for a new car, consider insurance costs before finalising your purchase. Cars are categorised into insurance groups based on factors like repair costs and performance – higher group ratings usually mean higher insurance premiums.
  • Check for Discounts: Always check if the insurer offers any specific discounts. For example, some insurers may offer discounts for buying online, being a member of a certain profession, or belonging to a certain organisation.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.

Get Luton Car Insurance Quotes Now!

Comparing tailored quotes is the secret weapon for zeroing in on the best car insurance. Here's the roadmap:
  • Firstly, you input your personal details - they assure absolute data protection.
  • Then, share your vehicle's specifics - every detail leads to a better fit.
  • Fill in your current insurance particulars - it's crucial for personalised recommendations.
  • Sit back as specialist insurance providers connect with you offering tailored quotes.

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Luton Car Insurance FAQs

Why is car insurance in Luton so expensive?

The main things that make car insurance in Luton so high is a mix of high crime rate, lots of young drivers and a lot of traffic.

Is it possible to find car insurance at an affordable rate in Luton?

It’s certainly possible provided you take any steps you can to lower the cost. Things like getting a more modest car, making it secure and opting for a lower level of cover can all help to keep costs down.

Will I pay more if I'm a young driver?

Unfortunately yes. This isn’t just true of Luton though; throughout the UK car insurance premiums cost more for young drivers, particularly those under 21. This is purely because younger drivers are statistically more likely to be involved accidents.