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How to get cheap car insurance: 11 easy tips

How to get cheap car insurance: 11 easy tips
Image source: Getty Images


If you’re trying to figure out how to get cheap car insurance, following these 11 simple tips could help you get the best possible deal.

1. Don’t auto-renew 

When it comes to car insurance, it doesn’t pay to be loyal. Most providers reserve the best deals for new customers, so you’ll need to shop around to find cheap car insurance.

Price comparison websites are a great place to start. They allow you to compare hundreds of car insurance deals quickly and easily.

2. Adjust your voluntary excess

Increasing your voluntary excess can help you get cheaper car insurance.

The excess is a sum of money you will need to pay towards repairing or replacing your vehicle if you make a car insurance claim.

So, it’s really important to choose a level of excess that you can comfortably afford should you ever make a claim.

3. Pay annually

Paying annually for car insurance is often cheaper than using monthly instalments.

This is because paying via direct debit is like paying off a loan from your provider, and they may add interest to each payment.

If you can’t afford to pay in one lump sum, try getting a 0% interest credit card to make the payment. This allows you to spread the cost without incurring any additional interest. just be sure to pay off the credit card within the 0% interest period.

4. Improve your car’s security

The more secure your car is, the cheaper your car insurance premium is likely to be.

Consider installing devices such as a security alarm, locking wheel nuts and an engine immobiliser to help reduce car insurance cost. 

5. Limit your mileage

Car insurance providers charge you more for a policy if you drive frequently. This is because you are statistically more likely to of get into an accident and having to make a claim.

Reducing the number of miles that you clock up could help you get cheaper car insurance.

6. Avoid car modifications

Car modifications include a variety of changes from getting new alloys to installing a new speaker system or body kit. These changes often result in your car insurance becoming more expensive as upgraded parts cost more to replace.

Modifying your car may also make it more attractive to criminals, meaning it’s at greater risk of being stolen. 

7. Build up your no-claims bonus

Each year that you drive without making a claim on your car insurance adds to your no-claims bonus.

The higher your bonus, the bigger the discount you’ll be able to get on your car insurance premium.

8. Tweak your job title

Your job title is one of many factors car insurers take into consideration when calculating your car insurance premium.

If your role can be described by multiple labels, for example ‘designer’ and ‘artist’, check the difference in the price you might be offered for each one and select the cheapest.  

It’s important not to lie about your profession though, as using false information will result in your car insurance being invalidated.

MoneySavingExpert’s Car Insurance Job Picker can help you find which job titles could legitimately help you get cheaper car insurance.

9. Change the named driver

Using a more experienced driver as the “named” driver on a policy can help you get cheaper car insurance.

This can be especially useful for younger drivers who face expensive premiums as insurers deem them to be a higher risk.

This tactic should only be used if the experienced named driver is the main person using the vehicle. It’s illegal to put someone down as the main driver if that’s not true.

10. Take an extra driving course

You may be able to get cheaper car insurance by taking advanced driving courses like Pass Plus and IAM.

Not all car cover providers offer such discounts, so crunch the numbers before committing to a course to make sure savings outweigh the cost of the course.

11. Use a broker 

If you’re struggling to get cheap car insurance, using an insurance broker could be a solution.

The British Insurance Brokers’ Association can help you find local insurance brokers on their website. You can also call them on 0370 950 1790.

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