Find out how you can save on your car insurance. Compare over 100 car insurance providers to find cheap quotes no matter what your age and experience. Young inexperienced drivers can make motoring affordable by choosing the right policy and car to match. Older experienced drivers can get the best deals in the market the reward your safe driving habits.
Finding cheap car insurance is becoming harder. Insurers have put up premium prices and drivers renewing are getting shocked by the rising costs.
Car insurance is mandatory, you have to have it if you want to drive legally on UK roads. How much it costs depends on a variety of factors, but two big indicators are what kind of car you are trying to insure and how much experience you have.
Other factors like inflation and rising accident rates have pushed up premium prices and made it even more difficult for young inexperienced drivers to find insurance.
Your car is an asset worth protecting but insurance premiums need to be affordable so you can keep your car on the road, serviced and taxed. Follow our tips and advice to get the best car insurance deals for you and your family.
How do you get cheap car insurance?
Shop around
Get car insurance quotes with us or other comparison websites. When you get your renewal notice, quickly check online to see what the competition is offering. You will usually be able to find a cheaper deal than the one your insurance provider is quoting. You can either go with one of those quotes or negotiate with your current insurer to get their best deal.
Pay yearly if you can afford it
Paying in one instalment is best to avoid interest which can be as much as you pay with credit cards (over 30%). If that is not possible look at the best quote available that offers a monthly repayment plan that is affordable. The total amount you will pay, if you pay monthly, will be shown on the quote.
Increase your excess
Increasing your voluntary excess will usually bring down your premium rates but if you do make a claim you will be expected to pay it to get your car repaired.
We have run some quotes for young and older drivers for various cars and insurance options to check the current market prices.
*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Disclaimer: This information is intended for editorial purposes only and not intended as a recommendation or financial advice.
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Car insurance FAQs
Does No Claims Bonus (NCB) make my insurance cheaper?
With car insurance, if you don’t make a claim on your insurance for one year you get a 1 year No Claims Bonus which can add up to a lot of years for experienced drivers. It is a clever way of keeping drivers “honest” and encourages safer driving but doesn’t necessarily mean you will get big discounts on your car insurance.
Car insurance providers have different policies when it comes to discounting No Claims Bonuses, maybe that is why they changed it from discount to bonus. Experienced drivers might see little difference in premium quotes with and without NCB but to a younger driver it might make a big difference.
Then we come to protecting your No Claims Bonus, which is an option for a new policy. If you make a claim your insurance premium the following year will probably go up irrespective of your protected no claims.
Having multiple No Claims Bonuses will make your premium cheaper with many providers and open up more providers on comparison sites who might not quote you without them. So having them is obviously a good thing and protecting them is up to you.
If I increase my voluntary excess, is my car insurance cheaper?
Yes, the more you are willing to pay for repairs, the cheaper your premium will be. Bearing in mind that you will also be expected to pay a compulsory excess which is determined by the provider and policy you choose.
The best way to test the answer is to get multiple quotes from a comparison website with different voluntary excess and see what comes up. You will notice that you can only change voluntary excess but the provider may offer multiple quotes with different compulsory excess.
Basically, the insurers like to encourage high excess so there are less claims for small repairs, which you could do privately and cheaper than the excess. So they will give you more competitive premiums that avoids the hassle of small claims.