Find Affordable Car Insurance Without Losing Quality And Benefits

• We don't spend a fortune on expensive advertising - money that would otherwise come out of YOUR pocket eventually.
• Unlike many major search engines owned by insurance companies, our independent search engine provides completely unbiased results. This means you get a fair and impartial comparison of insurance policies, increasing your chances of finding the best bargains available.
• Our platform invites not only large insurance providers but also specialist companies to offer quotations. These specialists cater to specific groups such as young drivers, experienced drivers, female motorists, sports or SUV owners, or individuals in high-risk postcodes or occupations. By exploring options from these specialised companies, you may find significantly lower-priced quotes or even better benefits tailored to your unique circumstances.
• We are members of the prestigious British Insurance Brokers Association and we are listed on the Financial Conduct Authority's website (reference number 765239) and you can find our FCA listing here. This ensures that we adhere to high industry standards, treating you fairly and honestly. Additionally, you can have peace of mind knowing that you have recourse through official channels in the unlikely event of any issues with your car insurance policy.
• Over three million people have already been helped to find low cost car insurance quotes by this search engine!!

None of them can guarantee to offer the most inexpensive premiums to everyone. This is because car insurance providers all calculate them based on many factors: not least of all your address, age and driving experience. They all interpret these in different ways.

Some, for example, prefer to deal with customers with a good, long driving record and so they may offer them really attractive car insurance quotes. Conversely they might not be keen on younger or more accident prone customers, and so their premiums for 17 to 25 year olds can be more expensive than average.

Other companies, however, may take the opposite view. This is why to get the most competitive quotes when doing a car insurance comparison it is usually best to compare multiple quotes from many insurers and you could save a lot of money on a really cheap car insurance policy.

Most motorists pay too high a premium, whether they are young drivers, learners, or quite experienced ones, but there are ways of saving a lot of money on car insurance, without buying substandard cover.

Comparing prices from the market's leading insurers isn't enough; to get the best bargains here are a few more things you can do, to get even lower quotes:

• Start comparing car insurance prices a month before you need car insurance and order it well in advance.
  
• If you are young or inexperienced persuade a more experienced, safe driver to join you on the policy.
  
• Experiment with your job title; for example a fashion photographer may pay a lot more than someone just described as a photographer; a bricklayer may pay more than a builder; the car insurance cost for a care assistant may be less than for a trainee nurse. Make certain that you can justify it though!
  
• Consider the optional extras that may be included with your policy. Do you really need them? Ask the insurer for a discount if you remove them.
  
• Be wary of 3rd party or 3rd party fire and theft car insurance policies. Third party cover rarely offers good value for money.
  
• Make sure you're on the voter's list.
  
• Pay the full premium upfront in the normal way. It can cost a lot less.
  
• Consider a black box policy, particularly if you are a young driver, your vehicle is in a high car insurance group, or you have penalty points or a bad claims record. Think about the drawbacks, too though.
  
• Don't insure your car for too much! In the event of a car accident insurers will only pay at most the market value of the vehicle, and even this will be reduced by your car insurance excess.
  
• Always check your insurance policy documents to make sure you have the right level of cover, and look for any potential extras, before handing over your money
  
• Steer clear of modified cars. They can not only increase repair costs but affect the car's handling too, putting you at more risk of a road traffic accident.
  
• If you want to pay monthly for car insurance get quotes for payment in full first. You may have a shock.
  
• If you have a provisional licence, consider a short term learner drivers policy rather commit yourself to an expensive annual one.
  
• Make sure you fill in proposal forms accurately. Insurers know more about us than we think they do. An error could lead to increased premiums, or even your being refused car insurance completely!

There is more about these ways of saving money, and others, below.

We usually get what we pay for. If you are offered a really low priced car insurance by a company you have not heard of at least do a search for reviews of them; you may find that they cut their prices to the bone but offer a poor service or large admin fees in return.

One day you may need to ask your insurer what to do if you are involved in an accident or how to make a claim against your policy. Some insurers are better than others at answering queries promptly, producing claims forms and paying up easily, with the least fuss. Before you actually buy that cheapo car insurance policy it may be a good idea to type the name of the car insurance firm into your favourite search engine and see what other people say about them.

Also: car insurance scams are rare but they do happen. Be wary of advertisements on social media offering crazy low prices; if it looks too good to be true, it probably is! A common fraud is to impersonate a genuine car insurance company or broker and the unsuspecting motorists only find out about it when they are pulled over by the police who tell them that they are driving whilst uninsured; or when they try make a claim on their car insurance policies but find that the 'car insurance provider' has disappeared. Never deal with a company that operates out of a mobile phone number; asks you to pay by any method other than by credit card; or which rings or emails you out of the blue to offer really reduced car insurance prices.

If spreading the cost of your car insurance policy over a year suits your budget best then many insurers do offer instalment plans for motorists in which you borrow the premium from either the insurer or a finance company then repay it over anything up to a year. These are invariably more expensive though, particularly if credit checks show that the applicant has a poor credit score.

Some of the best, well established car insurance companies with reasonable car insurance premiums will only accept lump sum payments so you could be missing out on the biggest bargains. When you compare quotes, always get prices for paying the full premium in advance, as well as with extended payments, and see what you might save by paying upfront.

Click here for more information on paying monthly with low deposits.

If you have any doubts do an online check with the Financial Conduct Authority or any relevant trade association that the company is genuine, and operates from the same address that it is registered at. For instance We are members of the prestigious British Insurance Brokers Association (our membership number is 007759) and we are introducer appointed representatives registered with the Financial Conduct Authority number 765239 (you can check that on the FCA website) . Sometimes cheap car insurance can be TOO cheap so be wary of really inexpensive quotes.

Many quotes on cheap car insurance sites include extras such as legal representation, windscreen cover, breakdown cover, personal accident cover or a free courtesy car in the event of an accident. If you really want these then, fine, but you can always ring the insurers and ask for a discount if they are removed; some will, some will not but it is worth a try and may save you money. Also, insurance provider sales staff can offer price reductions to tempt you to buy these or other extras but remember that when your next renewal quote arrives you may be charged full price for them. In this way, that bargain priced policy can become an expensive one extremely quickly.

Insurers want you to stay with them. After they have spent money on expensive advertising they do not want you to leave them for a cheaper company so they try to lock you into automatic renewals. If you refuse to let them do this you will be free to haggle, and quite often just ringing your current insurer's contact centre, and telling the customer service staff that you intend to compare prices, can result in a substantial reduction in your car insurance premium. If they will not give you a discount (and most will) then it is time to shop around.

Strictly speaking, you should tell them about every little accident. This is true even if there was no damage caused, even if you paid for it yourself, even if another driver admitted liability and paid for any damage to your car. The reason is: the insurer is concerned with the likelihood of you having an accident in the future. If you have had a minor collision but paid for the damage yourself, then (in the eyes of the car insurers) you are still more likely to have more mishaps. What they do not know about, they cannot worry about, but it is usually a condition of every policy that you are completely upfront about every crash, minor or otherwise, that you have been involved in. So, again, you should let them know. Will you? It is up to you.

Temporary car insurance can be used for insuring a car for between a single day and four weeks. However it costs an insurer in overheads as much to set up a policy for a few days as it does for a standard 365 days one so on a day-by-day basis a short term policy is dearer. However it can be a very economical option for people who only need to drive a car for a few days or weeks. You can get more information from this temporary car insurance site.

Most vehicle insurers and brokers have special bargain priced car insurance offers from time to time, and sometimes these are quite generous. The problem is that there is no way of telling when they will be available. This is a good reason to compare cheap car insurance prices, because you could get quotes quotes from a very large number of insurers which should include their latest offers.

However, how impartial are they? Remember that most larger car insurance comparison services are owned by insurers who have their own products to promote. Are their results really impartial? Do they necessarily show the cheapest price available? Remember that none of them compare policies from every single car insurance company in Britain, and many (most) only display offers from those that pay them a commission. Someone, after all, has to pay for those lavish TV car insurance adverts. So, sometimes you will get a better price from a small broker (if you can find one) particularly if you have had a number of accidents or convictions, you have medical issues to take into account, you drive a rare or valuable car, or you differ from the normal motorist in any other way.