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Find out how to get cheaper car insurance quotes on price comparison sites and how to negotiate with car insurance companies to save money
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In this guide, we explain how to find the best prices on comparison sites – and insurers who don’t – and how to customize your cover, from adding named drivers to changing your excess.
Free Car History Check
We have special tips for drivers with amazing discounts without claims; young and new drivers and those over 50.
After getting quotes from other providers, you can challenge your current underwriter to do better with our bidding script.
Read on to find out more ways to save and how to find the best deals on car insurance.
From January 2022, car and home insurers will be banned from charging different rates to new and existing customers, but you’ll still get the best rates if you shop around regularly.
Insurance Claim Definition
Different insurers may view your claims history, your vehicle and your neighborhood differently — or have temporarily discounted their product to attract new customers. Either way, looking at your insurance company’s competitors gives you an advantage because you know how competitive your current insurance company is.
Comparing car insurance quotes takes minutes and allows you to see if your renewal offer really is the best available. Even if you have a large claim discount, it can usually be transferred to another insurance company.
Price comparison sites are a good place to start because they allow you to quickly get multiple car insurance quotes.
When you go to the insurance company’s website, double-check the policy information to make sure the insurance company has all the right information about you and is providing an accurate quote.
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It is also good to have an idea of how much you are currently paying for car insurance. The renewal letter from your insurance company must show the amount you have paid this year and the renewal price.
Loyalty is not a great virtue on insurance or comparison sites, although some comparison sites have reward schemes to encourage customers who regularly insure their car.
Although you will find many reputable insurance companies on all the major sites, their groups of insurance companies and in some cases their prices are different, which means that you should check as many as possible for car insurance quotes.
While this may sound like hard work, it is actually the same as running around 50 or more quotes instead of just one to access quotes from multiple insurance companies. Compared to the days when you had to contact each insurance company individually, that’s time well spent.
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This is potentially the case if you’re applying for a deal that’s paid in monthly installments, but it’s the same if you contact the insurer directly without using a comparison site.
What you may notice is that a number of insurance companies do a “soft” search of your credit history to verify your identity. You will see them on your credit report, but the programmatic search will not be visible to other companies and will not affect your score.
The car insurance price you see on the comparison page is the actual current quote from the insurance company. However, note the following:
When you go to an insurance company’s website, you are asked to agree to a set of ‘assumptions’. This information about you is assumed to be correct, which you have not provided on the comparison page.
Search For A Car Number Plate Online
Also factor in additional costs and potential commission costs – see our insurance companies’ commission comparison.
Comparison sites are great for finding cheap car insurance to help you quickly cover a lot of ground when shopping. However, some insurance companies are not represented on all comparison sites.
Direct Line insurance is only available directly within it. In our analysis of suppliers, Direct Line scores highly for offering comprehensive car hire under its comprehensive and comprehensive plus policies. Churchill and Privilege are part of the Direct Line Group, but both sell policies on comparison sites.
NFU Mutual does not sell online at all. You must call one of the brokerage centers to get a quote. NFU Mutual tends to do well when we analyze car insurance, offers a lifetime guarantee on repairs and is believed to have a ‘no strings attached’ approach to claims.
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Another type of comparison site is a cashback site. As the name suggests, these sites like Quidco and TopCashback pay you cash rewards when you click on them to buy goods or financial products.
They’re worth checking out while you’re looking for deals, but they won’t necessarily give you the best deals, even with cashback.
A £600 policy with £75 cashback is far from a bargain when you can get the same cover elsewhere for £400.
Make sure you get the best deal and find your new car insurance at Confused.com. 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 prices within car insurance quotes and regularly publish trends. Different calculation methods and publication dates may mean that the average values do not always agree.
While this range of numbers shows what your “average” person might pay (or be quoted), in real life there is no such thing as an “average” car insurance customer.
The price of the insurance is determined individually. This means that depending on your personal circumstances, you may end up paying much more or less than the above figure.
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While you may not be able to change how insurance companies see you, read on for some ways to lower the cost of your car insurance.
Drivers who are typically offered the least competitive rates (such as younger drivers) may be tempted to choose a lower level of coverage to reduce their premium. However, it is worth checking the prices for each level of cover as sometimes, inexplicably, comprehensive will cost less than TP or TPF&T.
The reason is that insurance companies not only price policies according to the degree of coverage, but also according to how much they pay out in compensation to the drivers who buy them.
Where less comprehensive policies are usually bought by drivers who tend to demand more, insurers factor this into their prices, making them more expensive.
Motor Insurance: I Need To Insure My Car For Business Use
Even full coverage does not cover all cases. Insurance companies offer different add-ons that you may or may not need:
However, the free car may not be available or similar to your own car. 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 costs not covered by your main policy, such as making a claim after an accident.
The car insurance covers expenses that arise as a result of an accident, but not breakdown or refusal to start the car.
Car Insurance For New Drivers
Although breakdown cover can be added to your car insurance, it would be cheaper to buy from a third party provider – you can find our reviews here.
Comprehensive auto insurance policies will likely provide some coverage if you are killed or seriously injured in an accident.
However, special accident insurance can cover several situations up to a higher damage limit, including daily expenses during a hospital stay.
It may not be a good idea to make a claim on your primary policy for a lost key, especially if you have a high deductible or no deductible.
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If you don’t take out insurance for a few years, you can get a No Claims Discount (NCD) of over 60%.
When you search for quotes from new insurance companies, you will be asked how many years you have had NCD. You may be asked to provide proof.
Please note that different insurers have different NCD policies and may set different maximums for the number of benefit-free years stated in your NCD.
It’s counterintuitive, but sometimes not making an insurance claim and paying for repairs out of pocket can save you money in the long run.
Cheap Car Insurance
This is because a claim can create a deductible, lower your NH and cause your premium to rise.
Our guide to making a claim on your car insurance explains the calculation you need to make when deciding whether to make a claim.
You should inform your insurance company that the incident – regardless of whether you correct the damage – may also affect your premium.
If you are under 25, learning to drive or have recently passed your driving licence, car insurance can be an expensive business.
Temporary Car Insurance
During your training, you can buy a special learner car insurance or choose to be a driver on someone else’s insurance.
Once you qualify, you can find the cheapest rates for black box policies. It can reward you for driving safer than the average driver; other policies may suit drivers with relatively low mileage.
Choosing a cheaper car to insure, adding an older named driver to your policy and adding a higher voluntary deductible can reduce
