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Tips for getting cheaper car insurance in the UK

Getting insurance for your car can be a stressful experience. But if you’re looking for the best deal, we’ve got some tips for getting cheap car insurance in the UK. Check out our list below!

Review your policy regularly and look for savings.

It’s a good idea to review your policy regularly and look for savings. Check whether you are paying for things that you don’t need, such as comprehensive insurance on a car that is rarely driven or home insurance when you live miles away from the coast. You can also check with other providers to see if they offer better deals than your existing insurer, or even switch to another provider if they have lower premiums and better terms attached to their policies.

When it comes time for renewal, make sure that you keep an eye out for any changes in costs or coverage offered by your insurer. Some insurers will send out renewal letters well before the policy ends, giving their customers enough time to take advantage of any offers which may be available at that point in time before renewing their policies automatically again at full price (which is usually more expensive).

Shop around.

There are a few ways to find a cheaper insurance quote. You can shop around, look for good deals and discounts, and compare quotes among different companies.

  • Shopping around: This is one of the best ways to get a cheaper car insurance quote in the UK. Look at different companies and compare their offers to see which one offers you the cheapest deal. You can also check online for discount codes or other promotional offers by comparing multiple providers at once using an online comparison site like MoneySuperMarket or Comparethemarket .
  • Loyalty schemes: Some insurance companies reward their customers with loyalty discounts if they have stayed loyal to them over time without any accidents or claims made against their policy. It’s always worth checking what kind of discounts you could be entitled to if this applies to you as it could save you money on future policies too!

Drop your collision and comprehensive coverage if your car is too old.

If your car is too old, such as a 1996 Honda Accord or a 2000 Toyota Camry, then it may be time to drop collision and comprehensive coverage. This will allow you to save hundreds of pounds on your policy.

Car insurance for older cars is often higher because their value depreciates so quickly that they are considered more likely to be stolen or damaged in an accident.

Use public transportation.

  • Use public transportation. If you drive to work, take the bus, tube or train instead of driving. You can save money on parking, fuel and congestion charge.
  • Take advantage of employee perks. Some employers offer discounts if you use their car insurance as well as other benefits such as breakdown cover.
  • Seek quotes from different insurers before settling for one policy for three years at a time and check out what’s available in your area before making a decision about which provider is best for you

Consider joining a driving club.

You might not have thought that joining a driving club would save you money, but it’s true—and you can find one that suits your needs.

You’ll need to look for clubs that offer membership through your car insurance company instead of direct membership. Not all insurers offer this kind of service, so check with yours before signing up for any club. If they do offer it, then all you need to do is fill in a simple form online and wait for your discount code (which usually arrives within 24 hours).

It’s worth noting that some clubs only give discounts on certain types of vehicles or insurance policies; others may ask for proof of existing car insurance before offering any discounts. Some also require regular payment from memberships over time at set intervals (like annually) whereas others are more flexible about how often payments are made and how long each membership lasts for. It pays to shop around until you find the right scheme for you!

Consult the experts online.

If you’re looking for cheaper car insurance in the UK, consider consulting the experts online. There are several options available to you:

  • Online forums can be a great place to ask questions and get feedback from other people who have had similar experiences.
  • Online insurance comparison sites allow you to compare multiple quotes quickly and easily. They also offer a wealth of information on the different types of coverages that are available.
  • Insurance brokers can help you negotiate lower rates with your current insurer or assist in finding another company altogether if yours won’t budge on their price quote.

Don’t overpay for your insurance – make sure you find the best deals!

Before you sign up for a car insurance policy, make sure that you have got the best deal. The best way to do this is to get several quotes from different insurers and compare them. Remember that not all companies provide the same level of service; some will be more expensive than others, while others may offer discounts on certain policies.

In order to ensure that you are getting a good deal and not overpaying, there are several things that you should check:

  • Check what discounts or benefits your insurer offers. These might include free breakdown cover or no claims bonus protection if your vehicle is stolen during its period of cover with them
  • Make sure that any limits set by your insurer (such as how much they will pay out per claim) are reasonable for your needs – if they exceed what would reasonably cover damages caused in an accident then it could end up being very expensive!
  • Read through any small print carefully before signing on any dotted line so as not miss out on anything important in terms of cancellation rights etcetera…


With a little effort and some research, you can make sure you’re getting the best deal when it comes to car insurance. It may take some time, but that’s why we always recommend shopping around and comparing quotes from different companies before making a decision. And if all else fails? You could always ask an expert!