Comparison Service

The first thing to do is don't just sign on the dotted line to renew with your existing insurer every year, or you can be fairly sure you'll be paying more than you need to.  Its so important to shop around and compare car insurance companies, The price of insurance from the many different providers depends on a variety of factors about you, your driving record and your car. Insurers place greater emphasis on different factors and this varies widely. Added to this, there's huge competition between different companies. This means that, for the same car & driver circumstances, different insurers will quote widely differing prices. Most people can save up to £150 by shopping around properly. 

See how much costs could vary for your own circumstances using our car insurance comparison service with links to 50+ major insurers and comparison websites.

Other top tips for cheaper car insurance 

  • When you're shopping around, it's a mistake to assume that the premium for a policy with a high compulsory excess is likely to be one of the cheapest. Search out the cheapest, lowest excess policy for the cover you need, then consider offering to pay a higher excess to bring the premium down further.
  • Do you really need Comprehensive cover when Third Party, Fire & Theft may do? You could end up footing the bill for any repairs to your own car if you have an accident, but might that work out cheaper than a heavy premium for comprehensive cover? If you don't intend to use the car for commuting to and from work, say so - limit your cover to social use only.
  • Even consider driving less. Lowering your annual mileage usually means lower premiums. Insurers realise that less time on the road means likely fewer claims, and will reward lower mileages appropriately. Just don't exceed the limit you have set, without informing your insurer.
  • Even small items like an approved steering wheel bar can help cut your premiums. Approved alarms and immobilisers cost more, but could save you up to 30% on your insurance every year. Just don't forget to actually use any security devices you have declared. If your car is stolen without them having been activated, you may not be covered.
  • Clear out all that junk from your garage and put your car in it. It's a guaranteed saving.
  • Most insurers give a 5-15% discount and other benefits for buying your cover online.
  • Any modifications from alloy wheels to spoilers and body kit makes insurance companies fret and prices rise.
  • The administration fee or interest charged for paying your premium in monthly installments may mean you pay more than you would if you paid all at once on a competitive credit card. Certainly one with an introductory interest-free period. Always ask the APR for paying monthly and consider using a credit card if you don't have the cash available.
  • Paying up front will also prevent your insurer automatically renewing your policy, possibly at an uncompetitive rate. Typically they will give you very short notice to instruct them not to. This will ensure you'll shop around again for the best deal available at that time.
  • Take Pass Plus - anyone under the age of 25 who has passed their test within the past 12 months can take this extra test. It costs £100 but could cut deadly starting-out insurance by a third.
  • Also consider adding an experienced driver to your policy - that can have the effect of cutting the premium.
  • But don't get a parent to 'front' a policy for your own car, with you as a named driver. Insurers are catching on to this and, if you have to claim, will look at who the 'main user' of the car is. You also can't get any very valuable no claims discount until you have a policy in your own name.
  • The best type of car for the most reasonable insurance bills is something small and inexpensive with a diesel engine. With such a car, and less chance of a big financial loss if it's stolen or damaged beyond repair, you can also risk cheaper Third Party only cover.
  • Obvious, but key to affordable insurance. Over several years a no-claim bonus can earn up to a 60-70% discount. And a long period without claims will get you in the door with a wider range of insurers.