Visit comparison websites like Compare the Market, MoneySuperMarket, Confused, or Go Compare. Fill out your details, and they'll show you quotes from multiple insurers, helping you find the cheapest option.
2. Consider Specialist Insurers:
Some insurers specialize in lower-priced insurance for drivers with certain profiles. Examples include:
- Adrian Flux
- Hastings Direct
- Sheilas' Wheels
- LV=
- Privilege
3. Review Cashback and Reward Offers:
Insurers may offer cashback or reward points when buying a policy. This extra financial incentive can help reduce insurance costs.
4. Pay Annually:
Paying your insurance premium in one go instead of monthly can result in a discount, sometimes up to 10% or more, as it's less administrative work for insurers.
5. Consider Black Box Policies:
With a black box (telematics) policy, insurers can monitor how, when, and where you drive. Safer drivers may be rewarded with lower premiums over time.
6. Increase Voluntary Excess:
A higher voluntary excess (the initial amount you pay towards a claim) can mean lower premiums. Just make sure you're comfortable with this increased upfront payment if needed.
7. Opt for Automatic Renewals:
Some insurers give discounts if you set up automatic renewals.
8. Ask for Discounts:
Some providers offer exclusive discounts for certain occupations or professions.
9. Install a Dash Cam:
A dash cam can support your case in an accident and may lead to cheaper premiums.
10. Don't Forget Comparison Sites:
Review multiple comparisons sites—the best deal may vary between them.
Remember, cheap motor insurance might not always mean the best coverage. Ensure the insurer provides the protection and customer service levels that work for you.
