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Top tips for getting a cheaper car insurance quote

Before you start shopping around for car insurance, we’ll let you in on some sweet money-saving secrets.

Want to know our top 10 tips to help reduce your car insurance costs? Then watch this short video.

Top tips

Your choice of car

Your car’s value, type and engine size all make a difference to your insurance premium. The general rule is, the smaller the car, the lower the premium. If you haven’t bought a car yet, check quotes for the vehicles you’re considering.

Fit a security device

A car fitted with a security device like an alarm, immobiliser or tracker means it’s less likely to be broken into or stolen. And, in turn, insurance companies are more likely to offer you a cheaper quote.

Type of cover

Many drivers looking for cheaper car insurance instinctively opt for third party, fire and theft. But, with many higher risk drivers looking for cheaper cover, the average price of these policies is being pushed up.

Don’t simply assume a third party policy will be cheaper - make sure you check comprehensive cover as well to see the difference in price.

Some insurers price high

Don’t just choose the same insurer as your partner, family member or friend, as there’s no one-size-fits-all when it comes to cover.

The price of your premium depends on a number of factors including your age and driving history.

And with each insurer using its own statistical data to set prices, the price you’ll pay will vary from company to company.

Increase your voluntary excess

The excess is the first part of a claim that is paid by you. Increasing the amount you’ll pay in voluntary excess can lower your premiums.

Additional driver

If you’re an inexperienced driver, adding an experienced driver, like a parent, to your policy could bring down the cost. However, if you lie to your insurer about who the main driver is, it could invalidate your policy.

Check your mileage

The number of miles you drive each year could have a big impact on your premiums. If you are unsure of the number of miles you drive each year, you can get an estimate by comparing the mileage on your last two years’ MOT certificates or use an online mileage calculator to stop you from over insuring.

Keep your driving licence clean

Having points on your licence will likely increase the cost of your cover so make sure you drive responsibly and keep your licence clean.

Telematics or black box insurance

Instead of paying for insurance based on the average driver, telematics insurance is based on when and how you drive. You can’t say fairer than that! If you’re frustrated at having to pay a high car insurance premium, having a black box fitted could be the answer to your problems.

Shop around

With so much competition in the market, you’re more likely to be able to find an affordable quote if you shop around. By using an online price-comparison site like Confused.com, you can quickly find a list of the cheapest car insurance quotes tailored for you.

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James Cuff

James Cuff

James Cuff is the Multimedia Producer at Confused.com and is responsible for producing creative multimedia content, including online video.



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