Looking For Very Cheap Car Insurance?

Cheap Car Insurance: The Holy Grail of Driving?

Some people think the last time car insurance was 'cheap' was perhaps around 1964. Really? Why not compare up to 120+ policies from top UK insurers and decide for yourself?

The Quest for Affordable Car Insurance: Been There, Done That

I remember my first car - an absolute legend of a vehicle. A clapped-out Ford Fiesta that wobbled if you went over 50mph and had a heater that only worked in the summer. I loved that car. But when I went to insure it? The first quote nearly made me drop my Rice Krispies. It was more than the car was worth!

Now, if you're young, new to driving, or just unlucky, you've probably had the same gut-punch moment. Insurance companies seem to think you're going to launch your car into the nearest lamppost at the first opportunity.

But don't panic. There are ways to look for insurance you can afford without selling a kidney.

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and by the way ...

When Does Your Tax And MOT Expire?

Driving an untaxed vehicle can result in a fine of up to 2,500 pounds. Driving with an expired MOT can cost you 1000 pounds fine plus it can invalidate your insurance. It's easy to forget so check the DVLA database here!

Check Vehicle

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Can I Still Compare Quotes With Convictions?

Why not! Make sure you inform the insurer of your convictions though. They will find out anyway! If the convictions were minor you may get quotes online in the usual way or you may be asked to phone the insurer first but either way it's worth a try; and it just might save you a lot of money.

More Ways You Might Just Grab Really Affordable Car Insurance

Remember: insurers love safe bets. If you can convince them you're not about to pull off a Fast & Furious stunt, they'll reward you with lower premiums.

• Go for a Sensible Car - Look, we all love a flashy motor, but if you're driving a souped-up boy-racer special, your insurance will be eye-watering. Stick to low-insurance group cars (think small engines, no turbos, and nothing that looks like it belongs in a street race).
• Add an Experienced Driver - No, not your 18-year-old mate who's had a licence for six months. A parent or older relative with a good driving record can help bring costs down. Just don't get caught "fronting" (pretending they're the main driver when it's really you). That is illegal and can cause you a whole lot of problems that you can do without.
• Black Box Policies - I know, I know. Nobody wants a little snitch in their car telling the insurer how they drive. But if you're genuinely a careful driver, these might chop a huge chunk off your premium.
• Increase Your Excess - Higher excess, lower premium. But be realistic - don't set it so high that if you have a bump, you can't afford to pay your share.
• Park Smart - If you've got a driveway or garage, use it. Insurers hate cars left on the street overnight, so keeping it somewhere safe can shave off a few pounds.

Watch Out for Pointless Extras (Because They Love Sneaky Fees)

Insurance companies will try to sell you all sorts of stuff. Breakdown cover, legal protection, courtesy cars - and some of it is useful, certainly. But do you really need it all?

Read the fine print. Strip out anything unnecessary. Keep it lean, keep it keen.

Beware of the Too-Good-to-Be-True Deals

If you ever see a quote that seems suspiciously cheap, check the details. Are you actually getting the cover you might need, or is it one of those policies where you're only insured on Tuesdays if it's not raining? Always read the small print before you get sucked in by a rock-bottom price.

The Magic Trick? Is It Comparing Quotes?

What is the single biggest way of getting affordable car insurance in the UK? How about compare, compare, compare? Never just accept the renewal quote from your current insurer - that's exactly what they want you to do. Instead, let a price comparison site do the hard work (hint: you can compare up to 120 policies via this website)!

You might not end up paying pennies for your insurance, and we'll never see the cheap prices of 1964 again, but what if you might in the long run save a chunk of cash? That's more money for petrol, road trips, or fixing whatever new rattle your car has developed this week.

So, what are you waiting for? Get hunting for those bargains: compare quotes now.