How To Make Car Insurance Cheaper UK

Shop Around For Insurance

It’s important to shop around for car insurance. Don't just accept the first quote you get, as there are many insurers out there who could offer you a better deal. It's worth comparing quotes from at least three different insurers to get the best possible price. You can easily compare quotes online, or get quotes from different providers over the phone.

Raise Your Excess

The excess is the amount you have to pay towards the cost of any claim you make. Raising your excess can help to reduce your premiums, but only do this if you can afford to pay the higher excess if you have to make a claim. It's worth considering the excess you're prepared to pay, as this could have a big impact on the cost of your car insurance.

Opt for a Smaller Engine

The size of your car's engine could have an effect on the cost of your insurance. If you opt for a car with a smaller engine, you might be able to get cheaper cover. The size of the engine is usually measured in cubic centimetres (cc) and the smaller the engine, the less you're likely to pay. However, make sure you check the performance and safety features before you choose a car, to make sure it meets your needs.

Choose Third-Party Insurance

Third-party insurance is usually the cheapest type of car insurance cover. It covers the cost of any damage you cause to other people and their property, but doesn't cover the cost of any repair to your own car. If you choose this type of cover, make sure you check the policy carefully, as this type of insurance only provides limited cover.

Keep Your Car Safe

Making sure your car is safe is one of the best ways to keep your insurance costs down. If you have a garage or secure parking space, the insurer might be able to offer you a cheaper rate, as it reduces the risk of theft or damage to your car. It's also worth installing security devices, such as an immobiliser, alarm or tracker, as this could help to reduce the cost of your insurance.

Choose a Low Mileage Policy

If you don't drive your car a lot, you might be able to get cheaper cover by opting for a low mileage policy. This type of policy will usually provide a limit on the number of miles you can drive each year, but you might be able to get a discount if you don't drive very much. It's worth checking the terms and conditions before you take out a policy, as some insurers may charge extra if you go over the mileage limit.