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Find out ways to get cheaper car insurance deals on price comparison sites and how to haggle with car insurers to save money
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In this guide, we’ll explain how to find the best deals on comparison sites, which insurers don’t, and how to customize your coverage, from adding named drivers to changing your deductible.
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We have specific advice for drivers with great no-claims discounts; increasingly younger drivers and drivers over 50.
After getting quotes from other providers, challenge your current insurer to get better results using our negotiation script.
Read on to discover many more ways to save and find the cheapest car insurance deals.
From January 2022, car and home insurers are banned from charging new and existing customers different prices. However, you can still get the best prices if you shop regularly.
Insurance Comparison Site
Different insurers may view your claim history, your vehicle and your neighborhood in different ways, or they may have temporarily discounted their products to attract new customers. Either way, you have the advantage of knowing how competitive your current insurer is by seeing what your insurer’s competitors are offering.
Comparing car insurance quotes takes just a few minutes and lets you see if your renewal deal really is the best on the market. Even if you have a high no-claims bonus, you can usually transfer it to another insurer.
Price comparison websites are a good place to start because they allow you to quickly get multiple car insurance quotes.
Once you are on the insurer’s website, check the policy details to ensure that the insurer has received all the correct information about you and is providing you with an accurate quote.
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It’s also helpful to have an idea of how much you’re currently paying for your car insurance. The renewal letter from your insurer should show how much you paid this year, as well as the renewal offer.
When it comes to insurance or comparison sites, loyalty is not a virtue, although some comparison sites offer rewards programs to encourage repeat auto insurance customers.
Although you can find numerous reputable insurers on all the major websites, their insurer panels and in some cases their prices differ. Therefore, you should look at as many as possible for car insurance quotes.
While it may seem like a daunting task, it’s actually the equivalent of creating around 50 or more quotes instead of one to access quotes from countless insurers. Compared to days spent contacting each insurer individually, this is time well spent.
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This may be the case if you request a quote that is paid in monthly installments. However, the same would happen if you had contacted the insurer directly without using a comparison site.
What you may notice is that many insurers run “soft” searches on your credit information to verify your identity. They appear on your credit report, but simple searches are not visible to other companies and do not affect your score.
The car insurance price displayed on a comparison site is an actual quote from the insurer. However, please note the following:
When you click through to an insurance company’s website, you will be asked to agree to a series of ‘assumptions’. This is information about you that is believed to be accurate and that you have not provided through the comparison site.
Insurance For Drivers With Penalty Points
Also consider additional costs and possible commission costs – see our insurer’s commission comparison.
Comparison sites are a great help when looking for cheap car insurance and help you quickly cover large areas when shopping. However, some insurers do not appear on all comparison sites.
Hotline insurance is only available directly from them. Direct Line performs well in our provider analysis and offers a standard total loss rental car as part of its Comprehensive and Comprehensive Plus insurance policies. Churchill and Privilege are part of the Direct Line group, but both sell policies on comparison sites.
NFU Mutual does not sell online. To get a quote, you’ll need to call one of their brokerage centers. NFU Mutual tends to do well when it comes to car insurance, offering a lifetime warranty on repairs and taking a ‘simple’ approach to claims.
The Cheapest Cars To Insure 2024
Another type of comparison site is the cashback site. As the name suggests, these websites, such as Quidco and TopCashback, pay you a cash reward when you click on them to buy goods or financial products.
It’s worth checking out when looking for deals, but they don’t necessarily offer the best deals, even if cashback is included.
A £600 insurance policy with £75 cash back is anything but a bargain when you can get the same cover elsewhere for £400.
Make sure you get a good deal and buy new car insurance using the Confused.com service. Get a quote now
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How much you pay for car insurance depends on a number of factors, from your age, the type of vehicle you own and where you live to your marital status and driving history.
Several organizations track auto insurance prices and publish trends periodically. Different calculation methods and publication dates may mean that average values do not always match.
While this range of numbers describes how much an “average” person can afford (or be quoted), there is no such thing as an “average” car insurance customer in real life.
Insurance has a personal price. This means you could pay a lot more or less than the amounts mentioned above, depending on your personal circumstances.
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While you may not be able to change the way insurance companies think about you, read on to see different ways to lower the cost of your car insurance.
Drivers who are normally offered less competitive rates (eg younger drivers) may be tempted to opt for a lower level of cover to lower their premium. However, it is worth checking the prices for each level of cover, as comprehensive insurance sometimes costs less than TP or TPF&T.
The reason for this is that insurers evaluate their policies not only on the amount of coverage they offer, but also on how much they pay the drivers who hire them.
If less comprehensive policies are taken out mainly by drivers who tend to make higher claims, insurers take this into account in their prices, making them more expensive.
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Even comprehensive insurance does not cover all eventualities. Insurance companies offer several additional services that you may or may not need:
However, the replacement car may not be available or may look like your own vehicle. And you’re unlikely to get one if your car is stolen or written off.
This covers the cost of taking legal action to recover expenses not covered by your main insurance policy, such as claiming compensation after an accident.
Car insurance covers the costs of an accident, but does not cover the costs of the car breaking down or not starting.
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Although you can add breakdown cover to your car insurance, it may be cheaper to take it out with a third party provider; check out our reviews here.
Comprehensive car insurance is likely to provide you with some protection if you are killed or seriously injured in an accident.
However, special accident insurance can cover more situations up to a higher damage limit, including daily costs during hospitalization.
It may not be worth making a lost key claim with your primary insurance company, especially if you have a high deductible or no claim discount.
Temporary Car Insurance
If you don’t make a car insurance claim for several years, you can get a No Claims Discount (NCD) of over 60%.
When requesting quotes from new insurers, you will be asked how long you have had NCD. You may be asked to provide supporting evidence.
Note that different insurers have different NCD policies and may set different limits on the number of claim-free years recognized in your NCD.
It’s counterintuitive, but sometimes not using insurance and paying for repairs out of pocket can save you money in the long run.
Compare Cheap Car Insurance Quotes
This is because the claim may result in a deductible, reduce your DNT and result in an increase in your premium.
Our guide to making a claim on your car insurance will tell you what to do to decide whether to make a claim.
You must tell your insurer about an incident, whether you make a claim or not, which may also affect your premium.
If you’re under 25, learning to drive or just getting your driver’s license, getting car insurance can be an expensive proposition.
Does Having A Named Driver Affect My Insurance?
While studying, you can buy special student car insurance as a driver or choose to be named as a driver on someone else’s policy.
Once you’ve qualified, you may find that the cheapest deals are for black box policies. This could reward you for driving safer than the average driver. Other policies may be suitable for drivers with relatively low mileage.
Choosing a cheaper car to insure, adding a driver with an older name to your policy and adding a higher deductible can help keep costs down
