How to Get Cheap Car Insurance Through Discounts

How to Get Cheap Car Insurance Through Discounts

Navigating the world of car insurance can be daunting, especially when facing high premiums. However, armed with the right knowledge about available discounts, you can significantly reduce your costs. This comprehensive guide will walk you through the most common car insurance discounts and how to ensure you're taking full advantage of them.


Car insurance is a necessary expense for every driver, but that doesn't mean you have to pay premium prices. Insurance companies offer a variety of discounts that can lead to substantial savings. The key is knowing what these discounts are, how to qualify for them, and ensuring you're getting all the discounts for which you are eligible.

Common Types of Car Insurance Discounts

1. No-Claims Discount

  • Description: Reward for safe driving, typically offered as a percentage reduction in premiums for each year you go without making a claim.
  • How to Maximise: Maintain a clean driving record. The longer you go without claims, the better the discount. Some insurers offer up to 65% off for five consecutive claim-free years.

2. Multi-Car Discount

  • Description: If you insure more than one car with the same insurer, you can receive a discount on each vehicle's premium.
  • How to Maximise: Combine policies for all household cars with one insurer. Savings can typically range from 10% to 25%.

3. Low Mileage Discount

  • Description: Offered to drivers who travel fewer than a certain number of miles per year, usually around 7,500.
  • How to Maximise: Report accurate mileage annually to your insurer. Consider this discount if you work from home, retire, or use public transport frequently.

4. Occupational Discounts

  • Description: Some professions are deemed lower risk based on historical data, which can translate into lower premiums.
  • How to Maximise: Ensure your insurer is aware of your occupation. Professions like teachers, engineers, and scientists often qualify for these discounts.

5. Safety and Security Discounts

  • Description: Discounts for cars equipped with safety features (like anti-lock brakes and airbags) or anti-theft devices (like alarms and vehicle trackers).
  • How to Maximise: Invest in approved security systems and choose vehicles recognised for their safety features.

6. Good Student Discount

  • Description: Typically offered to students under the age of 25 who maintain a B average or better.
  • How to Maximise: Submit the latest school transcript as proof of good grades annually to maintain this discount.

7. Affinity and Loyalty Discounts

  • Description: Discounts available to members of certain organisations or clubs, or for long-term customers.
  • How to Maximise: Check if your employer, alumni association, or any clubs you belong to have partnerships with insurance companies.

8. Defensive Driving Course Discounts

  • Description: Discounts for drivers who complete an approved defensive driving course.
  • How to Maximise: Enrol in and complete a defensive driving course. Submit your completion certificate to your insurer to apply the discount.

Tips for Ensuring You Get the Best Discounts

  • Annual Policy Review: Regularly review your policy to ensure all applicable discounts are applied and update your insurer on any changes in driving habits or personal circumstances.
  • Direct Inquiry: Ask your insurer about all available discounts. Sometimes, certain discounts aren’t heavily advertised.
  • Comparison Shopping: Quotes from different insurers can vary widely. Shop around to find the best rates and the most generous discount offers.


Understanding and utilising car insurance discounts is crucial for managing your insurance costs effectively. By actively seeking out these discounts and ensuring you meet the criteria, you can enjoy significant savings.