Car Insurance in Durham

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The Cathedral City of Durham is located in North East England and is home to Durham University which means that its connection to the M1 motorway system is particularly handy for both students and locals alike. In fact, tourists aren’t an uncommon sight either thanks to the River Wear, which flows through the centre of the county town, and Durham Cathedral, the final resting place of Saint Bede the Venerable. Located less than 20 miles from Newcastle and just 25 miles from Middlesbrough, Durham isn’t as remote as you may once have believed.

Every motorist in the UK is legally obligated to have a valid car insurance policy to their name and insurance providers use a wide range of factors in order to calculate a premium such as your address, occupation and age. In layman’s terms, car insurance is a measure of risk based on local and national statistics rather than the driving habits of each individual, however it isn’t all doom and gloom for Durham drivers as there are a handful of useful ways to reduce your premium whilst still obtaining a valid policy.

How to Reduce Your Durham Car Insurance Premium

Black Box: Telematics insurance can see drivers save hundreds on their premium in return for sharing their driving data. They tell insurance providers how smoothly you drive, the risk of the roads that you drive on, and how well you stick to the speed limits in order to provide you with a quarterly score, however they can also backfire and may end up increasing your premium if you aren’t a sensible driver.

Low Mileage: Many drivers don’t understand why they need to estimate the number of miles they will drive in a given year when trying to obtain a car insurance quote. This is another statistic that providers use to calculate a premium because you are considered to be a higher risk to insure if you drive more miles simply because you are on the road more often. To reduce your premium, it is best to avoid overestimating your annual mileage.

Pass Plus: Although it can differ from provider to provider, it may be possible to save money on your car insurance premium by completing a Pass Plus course. The scheme takes 6 hours to carry out with a qualified driving instructor and is thought to create safer and more confident drivers by allowing them to become familiar with motorways, night driving, rural roads, all-weather conditions and dual carriageways.

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