Compare Cheap Car Insurance

Finding cheap insurance for your car can take time.

That's why at we make it easy. Fill in our simple form + compare quotes from over 80 of the best UK insurers to find a very affordable policy.

Get started now! Simply fill in the form and we will fetch the top rates and discounts from all the top companies.

  Compare Quotes >  

How To Reduce Your Car Insurance Premiums

To get the best deal on your car insurance, the first thing that you should do is look at coverage offered by several different insurance providers. Compare the rates for the same coverage and options and see which company offers the best price. However, there are a lot of things you can do to bring down your monthly premium no matter what company you choose to insure your car. Here are some things to consider:

1. If you are considering paying your insurance premium on a monthly basis, keep in mind that most insurers attach a high rate of interest to monthly premiums, often as much as 15%. If you pay your premium up front, you can avoid these interest charges.

2. If the car you are insuring is driven under 12,000 miles per year, you can request a low mileage policy to reduce the premium. This type of policy sets a mileage limit on the vehicle. If you choose this type of policy, make sure that you do not exceed that limit. If you do, your policy can be cancelled.

3. Most insurance companies offer discounts if you have approved locking alarm systems in your car. If you have one, be sure to mention it when negotiating your premium.

4. Purchasing all of your insurance through the same company can save you money. Most large insurance providers give better rates when you buy your car, home, and life insurance through them.

5. Insurance for your car can be as much as 10% cheaper if you purchase it online through an insurance website versus over the phone.

6. Studies show that women drivers have fewer accidents. As a result lady drivers are normally offered lower premiums. When sharing cars a saving can often be made where the woman is the primary driver, and any males are additional named drivers.

7. If you can show that you park your car in a locked garage or patrolled parking lots, this can result in a reduction in your premium.

8. If you drive an older vehicle that has a minimal replacement value, save money and do not buy the complete comprehensive insurance package.

9. Add-ons to your vehicle, whether they are cosmetic or mechanical, can add to cost of your premium.

10. The money that you pay out of pocket in the event of an accident is the excess. The higher you set your excess, the lower your premium will be.

11. If you are shopping for a new car, consider what the insurance for that particular model car will cost. Some cars are considered by insurance companies to be a higher risk. Imported cars are also much more costly to insure.


Please note: All articles on our site are written purely for information purposes only, and do not consitute financial advice nor a recommendation for any particular product or service. Views expressed are those of the author and are not intended to apply to anyone's specific circumstances.