How to Save Hundreds on Your Car Insurance: A Guide

I will show you how you can save hundreds, even thousands of pounds on your car insurance. I get countless DMs and questions from friends about saving money on car insurance, so I'm here to walk you through the process step-by-step.

How to Save Money on Your Car Insurance

Step 1: Choose the Right Comparison Website:

We'll be using Compare the Market for this demonstration, but remember, there are many other websites available. The more quotes you get, the better chance you have of finding the best deal.

Step 2: Gather Information:

To get accurate quotes, you'll need information like your car details, driving history, mileage, and parking arrangements. Be honest and accurate to avoid complications later.

Step 3: Customize Your Quote:

Don't just accept the first quote you see. Play around with different factors like mileage, voluntary excess, and start date to see how they affect the price.

Step 4: Add Additional Drivers:

Adding a parent or another experienced driver can sometimes lower your premium, even if they don't drive your car regularly.

Step 5: Consider Alternative Addresses:

If you have multiple addresses, registering your driver's license at the one with cheaper insurance rates can be legal and save you money.

Step 6: Review and Compare:

Once you have several quotes, carefully compare them based on price, coverage, and reputation of the insurance company.

More Tips to Save Money on Car Insurance:


  • Claim-free discounts: Many insurers offer discounts for drivers who have gone a certain number of years without making a claim.
  • No claims bonus protection: This protects your discount from being affected by a minor claim.
  • Black box discounts: Installing a black box that monitors your driving behavior can lead to a discount if you're a safe driver.
  • Professional and membership discounts: Check if your profession or any memberships you have offer discounts on car insurance.
  • Multi-car discounts: If you insure multiple cars with the same company, you may receive a discount.

Other Cost-Saving Strategies:

  • Increase your voluntary excess: Agreeing to pay a higher excess in the event of a claim can lower your premium.
  • Choose a higher deductible: Similar to voluntary excess, choosing a higher deductible can lower your premium.
  • Consider telematics insurance: This type of insurance uses technology to track your driving behavior and reward safe drivers with discounts.
  • Park your car securely: Parking your car in a garage or on a driveway can lead to a lower premium than parking on the street.
  • Review your policy regularly: As your circumstances change, your insurance needs may change as well. Regularly review your policy and make adjustments as necessary.

Additional Resources:

  • Government comparison website: Check your government's website for an official car insurance comparison tool.
  • Independent insurance brokers: Consider getting quotes from independent insurance brokers who have access to a wider range of insurers.
  • Car insurance forums: Online forums can be a great source of information and advice about car insurance.


  • Be honest and accurate when providing information: This is crucial to finding the best deal and avoiding complications later.
  • Compare policies carefully: Don't just focus on the price; consider the coverage you need and the reputation of the insurance company.
  • Shop around every year: Even if you're happy with your current insurer, it's still worth getting quotes from other companies to ensure you're getting the best deal.
  • Don't lie on your application, as it can void your policy and leave you financially liable in case of an accident.
  • Be aware of additional costs like breakdown cover, which may not be included in the base insurance price.
  • Read the terms and conditions carefully before choosing a policy.
Don't settle for the first quote you get. By shopping around and taking advantage of these tips, you can significantly lower your car insurance costs and save money. Remember, being smart and informed pays off!
By following these tips and doing your research, you can find the most affordable car insurance policy that meets your needs.