Finding Cheap Car Insurance – Key Points

Here are the key points of information you need to gather and consider if you want to get cheap car insurance:

🔑 Personal & Vehicle Information

These details are required by insurers to give accurate quotes, and they directly influence the cost:

Driver details
- Age, gender, marital status
- Occupation and employment status
- Driving licence type and how long you’ve held it
- Driving history (accidents, claims, convictions)
Vehicle details
- Make, model, age and value of the car
- Engine size and fuel type
- Annual mileage (lower mileage can reduce costs)
- Any modifications (these often increase premiums)
- Where the car is kept overnight (garage, driveway, street)

These are steps you can take to reduce the cost of your insurance:

Increase voluntary excess – Agree to pay a higher excess to lower your monthly premium.
Build no-claims bonus – Each year without a claim lowers your cost.
Limit annual mileage – Less driving means less risk.
Add a named experienced driver – Adding a responsible older driver can lower risk.
Avoid unnecessary extras – Only choose add-ons you really need (e.g. breakdown cover).
Improve security – Fit alarms, immobilisers, or trackers to reduce theft risk.
Black box / telematics policy – Lets insurers monitor driving behaviour and reward safe driving.
Pay annually – One lump sum is often cheaper than monthly instalments with interest.
Choose a lower insurance group car – Smaller, cheaper cars usually cost less to insure.

Getting the best price requires comparing:

Use multiple comparison sites – Prices vary, so check several.
Check direct-only insurers – Some companies don’t appear on comparison sites.
Get quotes early – Buying about 3 weeks before your renewal date can be cheaper.
Review policy cover carefully – Don’t just pick the cheapest; make sure it fits your needs.
Negotiate on renewal – Call your current insurer and ask them to match or beat other quotes.