Car Insurance

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How Much Is Car Insurance?

Car insurance prices are based on the level of risk involved with insuring a driver, as determined by each insurance provider. So, the best way to find out how much it will cost you is to use a comparison service, like the one we use, to view live car insurance quotes – it takes less than five minutes & it’s free.

Whilst some places do provide average figures for the cost of car insurance, we don’t believe it’s useful because everybody is unique. There are so many factors to take into account when calculating the price of an individual’s car insurance policy. Instead, why not remove the guess work and compare car insurance today?

How Can I Get Cheap Car Insurance?

The easiest way to save money on car insurance is to use a comparison site to compare car insurance quotes. As well as that, there are a number of other tips that we can share with you to help keep costs to a minimum:

1) Keep your license clean

Speeding and other driving convictions indicate to car insurance providers that a driver is riskier to insure. This added risk means your insurance premium will be higher.

2) No claims discounts

Similar to above, insurance providers can offer better rates to drivers with longer no claims periods. Data shows that you are more likely to claim on your insurance if you have already done so. Therefore building up a long no claims bonus demonstrates to insurance providers that you are a safer driver. In light of this, you should think carefully before making any claim on your car insurance, particularly if the claim is not for a huge amount of money. Equally, once you have built up a long no claims period, you may want to consider protecting your no claims bonus.

3) Telematics (black box) policies

A fairly new but rapidly adopted piece of technology, black boxes give car insurance providers access to information about you and your driving ability that was previously unavailable, including how fast and how often you drive, your braking severity, the time of day you are driving and the location of your vehicle. All of this data can demonstrate that you are less likely to make a claim on your insurance policy and therefore reduce your car insurance costs. The opposite is also true and bad drivers can see their premiums increase.

4) Get a quote before you buy a car

Insurance costs vary significantly depending on the type of car you drive. If you are in the market to purchase a car, it pays to check how much the insurance premium will be prior to buying, to avoid any nasty surprises.

5) Pay yearly not monthly

In an ideal world, everyone would be able to afford to pay for their car insurance in one upfront payment. Clearly that is not the case for many of us, but if there is a way you can pay annually, it could save you as much as 20% compared to paying monthly. This is because a pay monthly premium comes with interest added.

6) Car Security

If you are considering changing cars, bear in mind that a car with good security often benefits from reduced car insurance costs. This is because alarms, immobilisers and tracking technology can all reduce the risk of insuring a vehicle.

Cover That Suits Your Needs

Fleet Insurance

Insurance for multiple family vehicles under one policy. Benefits include easier manageability and potentially cheaper cover.

Drivers with Convictions

We work with a dedicated panel of car insurance brokers who are able to keep costs down for drivers with motor-related and non motor-related convictions.

Car Insurance For Drink Drivers

If you have points or a previous ban for driving under the influence of alcohol or drugs, are specialist panel of insurance providers can help you find better price on your car insurance.

Car Insurance For Young Drivers

Young drivers are hit the hardest when it comes to car insurance. Unfortunately however it is a fact that 1 in 4 young drivers will make a claim in their first year on the road. Try our young driver form to find a better deal.

Third Party Only Car Insurance

It is a common misconception that 3rd party only car insurance will be cheaper than comprehensive insurance, so it worth comparing all cover options, which is where we can help.

Car Insurance Without A Black Box

Black boxes aren’t for everyone, which is fair enough, but you should know that they will often help lower your car insurance significantly. If you still want insurance without a black box, try our quote form without black box policies.

Short Term Car Insurance

Sometimes you need temporary car insurance for short periods of time. For whatever reason you need it, we can help you compare short term car insurance.

Learner Driver Insurance

If you are learning to drive, you can find insurance for either your own vehicle or you can be insured on someone else’s vehicle whilst you learn.

Adapted and Disability Car Insurance

If you drive a vehicle that is adapted or if you have a disability, compare quotes from both specialist and mainstream insurance providers with just one quote form.

What details do I need to get a cheap car insurance quote?

1) Car: either your car registration or the make and model of your car if you do not know it. If you have not purchased the vehicle yet, that is fine too.

2) Driving history: how long you have been driving, details of any convictions, length of any no-claims bonus

3) About you: including your name, contact details, address & job

4) Car usage: what the car will be used for, e.g. social, commuting or business and your estimated annual mileage.

What Types of Car Insurance Are There?

There are three choices when it comes to level of cover, which you will need to be aware of; third party only, third party, fire and theft & fully comprehensive. It is a common misconception that opting for third party only cover is the best option for cheap car insurance, it is not necessarily. If in doubt, get a quote for all three types.

Third Party Only

Provides cover for damage or injury to a 3rd party or 3rd party property as a result of an incident where you are deemed to be at fault. A third party only car insurance policy provides the least amount of cover permitted by law.

Third Party, Fire and Theft

As above, but with added fire and theft cover which protects against loss and damage in the event of fire damage or theft of your vehicle.

Fully Comprehensive

The most complete level of cover available. Fully comprehensive car insurance will usually cover you for damage/injury to your vehicle or yourself as well as damage/injury to 3rd parties and their property. Although this is the highest level of cover, what exactly is covered does vary between each car insurance policy so make sure that you read the fine print.

Car Insurance Groups

Every car belongs to an insurance group from 1 – 50. The car insurance group that your car sits in can play a big part when it comes to determining how much it will cost you for car insurance. Generally speaking, cars in lower insurance groups will cost less to insure, so you can save money on your insurance by keeping this in mind when it comes to buying your next car. To give you an idea of which cars are in which groups, groups 1-5 includes the Citroen C1, Toyota Aygo & Ford Ka. Groups 20-30 includes the Audi A3, BMW 1 Series, Landrover Defender & VW Golfs. Groups 40-50 include the Porsche Boxster, Ford Mustang and Subaru Impreza.

Car Insurance Upgrades and Optional Extras

Breakdown cover: Cover you in the event of a breakdown to get you and your car to the nearest garage or to your home. It can often be cheaper to purchase this separately though.

Courtesy car: some policies include a courtesy car as standard, others charge extra. If you could not do without a car whilst it is being fixed, you may wish to find a policy that offers a courtesy car as standard or take out this cover as an optional extra.

Personal accident cover: This cover will compensate you should you be injured in a car accident. A lot of fully comprehensive insurance policies will include personal accident cover, however you need to check this as not all insurance providers do include it.

Motor legal protection: if you are at fault, legal protection will help in defending a claim against you. If you are not at fault, it will help you claim from the person who is.

Lost keys cover: if your keys are lost or stolen, this optional extra will cover you for the cost of replacing your keys. This may seem unnecessary but the cost of replacing keys on newer cars can run in the hundreds of pounds.

No claims discount protection: Having a no claims discount can significantly reduce your car insurance quotes. It is such a valuable bonus that you can buy protection to keep your no claims bonus intact should you need to make a claim. Protection does vary between providers, some will leave your no claims bonus exactly as it is, whereas others will knock a year a year or two off your accrued years of bonus.

Windscreen repair and protection: an extra that covers the cost of fixing chips/cracks in your windscreen as well as sometimes covering the cost of replacing your windscreen although you may have to pay a small excess for replacement.

Car Insurance Frequently Asked Questions

Frequently asked questions when it comes to comparing car insurance:

Car insurance is a legal requirement when driving on roads in the UK.

If you can afford it, your car insurance premium will be cheaper if you pay annually. Monthly car insurance includes the cost of borrowing, which can be as much as 20% APR.

If you pay for your car insurance monthly then you will be credit checked as a monthly premium payments are effectively a form of credit as you are borrowing money over a 12 month period.

Most people follow a fairly set weekly routine, so think about your commute, school runs & your usage on the weekends and evenings to arrive at an approximate figure.

There are a number of websites that can give you an accurate estimate for the current value of your car.

Car Insurance providers work out the cost of an insurance policy based on the level of risk presented by a driver. This takes into account a whole array of factors including job, driving history, address, mileage, vehicle and much more.

An excess consists of two amounts; a mandatory amount and a voluntary amount. The mandatory amount is set by the insurance provider with the voluntary amount being set by the policy holder. Setting a higher voluntary excess can help you find cheap car insurance, however when it comes to making a claim you will need to pay that excess amount towards any cost. Make sure you could afford to pay that amount should the unexpected happen.

Quotes are valid for 30 days but are subject to change.

It is highly likely that your insurance quotes will go up after making a claim due to you being deemed a higher risk driver. However, it pays to check this by getting a quote.

Car Insurance Articles & Guides

*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.