Cheap car insurance

Running a car is expensive, and one of the biggest costs to motorists can be car insurance. It’s a legal requirement so there’s no way around it – every driver needs car insurance. Whether paid annually or in monthly instalments, it’s usually a significant cost to manage and can take up a large chunk of your budget.

Getting cheap car insurance can make a real difference to the running costs faced by motorists, and everyone wants to get a good deal, don’t they? Here’s some information on how you can get cheaper car insurance.

To make sure we’re meeting our customers' needs and remaining competitive, we offer a range of car insurance policies. If you’re a new driver and are interested in building up your No Claims Discount (NCD) while being rewarded for driving well, you may want to consider RAC Black Box Car Insurance. Or, if you're happy to manage your account online without call centre support, RAC Online and RAC Online Plus offer the same great cover, but with lower admin fees.

If you need short term car insurance our Temporary Car Insurance policies start from 1 hour up to 30 days as you need it.

Choose the more appropriate policy for you and get a quote today.

Lower your premium with telematics

Young and new drivers are more likely to be faced with high car insurance costs than more experienced motorists. If you’re under 24 years of age, you might be considered a greater risk and therefore faced with expensive premiums. A more affordable option for young and new drivers might be black box insurance, which uses telematics to assess driving performance, and rewards those drivers they deem to be safer on the road.

Get a quote for RAC Black Box Car Insurance today.

Short term car insurance from 1 hour to 30 days

If you borrow or are planning to borrow a car for a short period of time, our Temporary Car Insurance will ensure you’re comprehensively covered. You don’t need to be added to the car owner’s annual policy (which could cost money) and any claim you make won’t affect their No Claims Discount.

Our policies are flexible and quick to set up – you choose how long you need, and you can top up cover online 24/7 if you need to extend your cover. Buying a policy is quick and you could be on the road within 15 minutes!

What’s more, our policies will also cover you if you are travelling for business, and you can add breakdown or comprehensive European cover before you buy if you need to.

Car insurance for careful drivers

Careful driving can benefit you when it comes to getting cheap car insurance. If you’ve built up a record of several years of no claims, you could be offered a discount by your insurer, simply because you can demonstrate that you’ve been driving for a long period of time without needing to make an insurance claim. In the eyes of your insurer, years of NCD (no claims discount) can help to lower the risk you present as a driver.

Check that your insurance is still suitable for your needs

Do you have named drivers on your policy that no longer drive or have access to your car? Do you drive fewer miles than you stated when you took out your policy? Check your policy details – you might find that a little tweak to your existing insurance policy could make all the difference. Just make sure that you are truthful, as you could invalidate your policy if the information you provide is not accurate.

As well as ‘Comprehensive’ cover, ‘Third Party Fire and Theft’ and ‘Third Party Only’ cover is also available to you when you get a quote. It’s worth noting that a third party policy only covers you against any damage to another person’s vehicle or property - it does not protect against damage to your vehicle or property. For this reason, it’s important you look at all options available and choose the policy that best suits your needs.