Cutting the costs in Car Insurance

Compare cheap quotes from leading UK motor insurers including:

AA Insurance, Barclays, Budget, Endsleigh, esure, Kwik Fit, MORE TH>N, Post Office, RAC, Sheilas' Wheels, Swiftcover plus more!

Swiftcover Car Insurance
Officially the cheapest car insurance provider in the UK. Get an instant online quote now!Click here for more information

Ecar Insurance
Save up to £250 on your insurance policy with eCar.What are you waiting for!? Click here for a quote.Click here for more information

Tesco Car Insurance
Great value car insurance from a brand you can trust. Click here for more information

Car insurance is an essential but often expensive fact of life. That's why we at moneysupermarket.com have compiled our guide to car insurance to help you get the right cover and the cheapest car insurance available for your needs.

Cutting the costs

In addition to no claims bonus and excess charges which were covered in part five there are many other factors to help lower the cost of your car insurance premium.

• Parking location – for maximum benefit keep your car parked in a locked garage overnight. If you don't have access to a garage, then parking on a driveway is viewed as less of a risk than parking on the street.
• Mileage – Update your estimated annual mileage each year. If you change jobs and have a shorter commute you could save cash.
• Learner drivers – Extra lessons with the Pass Plus scheme can cut premiums by as much as 35%. Motorists who pass an 'advanced driver' course can also see their premiums reduced.
• Marriage – Married men attract lower premiums than single men.
• Car security – A car alarm, immobiliser or tracker makes it less likely that your car will be stolen and therefore should reduce your premium.
• Don't speed – The higher the number of speeding offences, the more expensive your car insurance is likely to be.
• Satellite Navigation – Some insurers could cut costs for drivers with the satellite navigation facility.
• Parents – Adding teenagers to your policy can significantly increase the cost of your policy. If it is unavoidable then try and keep them on your insurance for the minimum amount of time – for example during the holidays.
• Young drivers – The reverse is true for younger drivers because adding a parent to your insurance, or an older, more experienced driver, can cut costs.
• Optional extras – Only select to have a courtesy car or cover for legal expenses if you really need them.
• Modifications – New wheels, seats, colour changes and adding a spoiler are all changes that could add to your premium.
• Avoid monthly premiums - Most insurers charge a fee for this service. The fee ranges from and Annual Percentage fee of 13% up to 29% APR. You can avoid this by taking out a credit card with an introductory interest free offer. We do recommend however that you read our guide to credit cards before you consider making an application.