To find cheap car insurance, follow these expert tips and steps:
Use Comparison Sites
- Get quotes from at least two or more comparison websites to maximize your chances of finding the cheapest deal, as different sites may offer different prices for the same insurer
- Recommended sites include Compare The Market, Confused.com, MoneySupermarket, GoCompare, and Uswitch
- Compare The Market often returns the cheapest quotes most frequently, so start there and then check Confused.com and MoneySupermarket to increase your chances of a better price
Tips to Lower Your Premium
- Avoid auto-renewing your policy without comparing prices first; switching insurers can save you hundreds of pounds
- Be honest with your information to avoid invalidating your policy, but consider tweaking non-essential details like job title or adding an additional driver if it lowers your premium
- Consider raising your deductible (excess) to reduce your premium, but ensure you can afford the higher out-of-pocket cost if you claim
- Look for discounts such as multi-car policies, good driver discounts, or bundling with other insurance types
- Improve your driving habits and consider taking a defensive driving course to qualify for discounts
- Choose a car that is cheaper to insure; some vehicles cost less to cover due to safety and repair costs
Additional Considerations
- Check if add-ons like legal cover, breakdown cover, windscreen cover, or courtesy cars are included or if they add to the cost
- Decide on the coverage level you need: fully comprehensive is usually more expensive than third-party, fire, and theft
- If you are a young driver or have penalty points, look for specialized guides or insurers that cater to your profile for better rates
Use Online Tools
- Tools like MoneySavingExpert’s Compare+ Car Insurance tool guide you step-by-step through finding the cheapest quotes and offer personalized tips to cut costs further
- Insurify and NerdWallet also provide comparison tools and lists of cheapest insurers based on your profile and location
By combining multiple comparison sites, adjusting your coverage and excess, seeking discounts, and improving driving habits, you can find significantly cheaper car insurance
