Lowest car insurance

For UK drivers on a limited budget getting the lowest car insurance is of crucial importance.  Below we give out top tips to consider when trying to get the lowest cost for motor car insurance in the UK.

To get the best UK car insurance rates:

Buy car insurance online, the biggest UK discounts and car insurance prices are often offered online.  To find the cheapest insurance use the cheap motor insurance tool provided by Insurewith.

Pay a higher excess in the event of an insurance claim.

For young UK teenage drivers, ask about the effect of doing the Pass Plus training programme to qualify for cheaper insurance.

Consider a UK approved immobiliser, compare car insurance quotes with and without one fitted.

Limit the number of miles you drive each year, and tell insurance companies your typical annual mileage when getting quotes.

Restrict the drivers on your car insurance policy.  In particular, young drivers under twenty-five can be a costly risk.

It may be obvious but cheap, small engine cars are cheap to insure.

Start building and protecting a 'no claims' bonus as soon as possible. In the long run, this will have a significant impact on your ability to get cheap car insurance. Some companies now allow you to do this as a named driver.

Don't modify your car. Insurance companies really don’t like this!

If you drive a very cheap car, it may be cost effective to consider third-party, fire and theft insurance instead of fully comprehensive cover. 

Cars parked in locked garage or other, secure, off-street location overnight get cheaper premiums.

If you belong to a trade union or professional body, check if they have negotiated cheap car insurance policies for members.