How to get cheap car insurance: Video transcript

Car insurance has gone up in recent years

While there are factors you can’t change, like your address, vehicle type, and driving history, there are some things can do to save. Here are our top tips to help you lower your car insurance costs.

Tip 1: Pay Annually

Paying for the year upfront can save you up to 31%.

Monthly payments often add high interest, costing around £267 more on average.

If paying all at once isn’t possible, a 0% credit card could help you avoid extra fees.

Tip 2: Compare at the right time

The best time to get a new quote is 20–27 days before your renewal date, potentially saving you up to 17%.

Your renewal date will be in your policy documents, or you should receive a renewal notice from your provider 28 days before your policy ends.

Tip 3: Increase your excess

A higher voluntary excess can reduce premiums, but make sure it’s an amount you can comfortably pay if you need to claim.

Tip 4: Consider Telematics

Telematics, or “black box” insurance, can allow safe drivers—especially new ones—to lower premiums by proving safe driving habits.

Tip 5: Never auto renew without comparing first

Auto-renewing without comparing can be costly. Comparing quotes on MoneySuperMarket could save you up to 45%.

How to get a quote

With MoneySuperMarket, all you need to do is give us a few details about yourself and your vehicle, and we will scour the market from a range of the UK’s leading insurers to find you the best quotes.