How to get the best car insurance deals

While a ‘one-size-fits-all’ car insurance policy doesn’t exist, there are steps you can take to find the best car insurance deals for you.

Car insurers calculate premiums using a range of factors including age, sex, occupation, and car usage. As a result, the best car insurance deals for one driver could be wrong for someone else.

Getting the best car insurance deals for your car

The value of your car can be a hugely important factor when deciding on what type of insurance to get – and how much you end up shelling out as a result.

If your car’s not worth very much then it’s probably not worth considering fully comprehensive cover as the yearly premium could end up costing more than your car’s worth. 

If this is the case and it’s worth less than £1,000, the cheapest car insurance offers are likely to be in the third party category. 

Third party cover means that if you have to make a claim, only the other parties involved will be compensated, you won’t receive any money for repair costs to your own vehicle.

Take a look at our dedicated guide to learn more about the different types of car insurance policies. If you have a high performance vehicle or classic car then the best car insurance companies for you will be specialist providers who understand the risks.

Classic car insurance quotes will usually take into consideration the costs of replacing original parts and general maintenance. Cars with cosmetic or mechanical modifications also tend to be more expensive so steer clear of these if finding the cheapest insurance deals is the most important factor for you.