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How to get the best car insurance deals

While a ‘one-size-fits-all’ car insurance policy doesn’t exist, there are steps you can take to find the best car insurance deals for you.

Car insurers calculate premiums using a range of factors including age, sex, occupation, and car usage. As a result, the best car insurance deals for one driver could be wrong for someone else.

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Getting the best car insurance deals for your car

The value of your car can be a hugely important factor when deciding on what type of insurance to get – and how much you end up shelling out as a result.

If your car’s not worth very much then it’s probably not worth considering fully comprehensive cover as the yearly premium could end up costing more than your car’s worth.

If this is the case and it’s worth less than £1,000, the cheapest car insurance offers are likely to be in the third party category. Third party cover means that if you have to make a claim, only the other parties involved will be compensated, you won’t receive any money for repair costs to your own vehicle.

Take a look at our dedicated guide to learn more about the different types of car insurance policies.

If you have a high performance vehicle or classic car then the best car insurance companies for you will be specialist providers who understand the risks.

Classic car insurance quotes will usually take into consideration the costs of replacing original parts and general maintenance.

Cars with cosmetic or mechanical modifications also tend to be more expensive so steer clear of these if finding the cheapest insurance deals is the most important factor for you.

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The best car insurance offers for your age

Insurers often penalise young drivers heavily for their inexperience and increased risk, but there are still ways to keep costs down – see our nine top tips for finding the cheapest car insurance for young drivers. Top tips for young drivers include getting an extra driving qualification and adding a named driver to the policy.

Older drivers can also expect to pay slightly more despite having many more years of experience on the road. This is because insurers say that the likelihood of older people claiming on car insurance is higher and the cost of those claims is greater for this age group.

The best car insurance deals – extra drivers

Generally speaking, the more drivers you add to your policy, the more expensive it will be. If your additional drivers are experienced and the car is of high value (around £5,000 or more), fully comprehensive cover is a must.

If you can avoid adding drivers who may only use your car infrequently, you could make large savings by taking out temporary insurance for them as and when you need to, rather than having them included on your policy permanently.

Getting the best car insurance offers - no claims bonus

Going five or more years without making a claim will put you in a great position to get cheap car insurance. This is because insurers recognise that the fewer claims you’ve made in the past, the less likely you are to make them in the future.

Additional drivers are normally unable to build up their own no claims bonus while on somebody else’s policy, though some insurers, such as Direct Line and Tesco, let additional drivers gain a history of no claims.

The best car insurance offers if you have multiple cars

If you have a number of cars in your driveway then you might want to consider a multi car insurance policy. A number of insurers can offer you discounts if you insure more than one vehicle with them under the same policy.

However, be sure to compare both multi and single insurance deals as it may not be cheaper for you.

Make your car more secure

Adding security features such as alarm and immobiliser to your vehicle is also a proven way to cut down the cost of your insurance. Off street parking, or even better – garage parking is also looked on favourably by insurers.

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