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Our innovative car insurance tool is designed to take the hard work out of finding a cheap price
Fill in one questionnaire and get our unique cost-cutting tips as you answer
See your cheapest insurers from the comparison as a benchmark
Follow our personalised tips to try for a bigger saving
Want to know more about insurance and find the best priced policies? We've got guides on...
Car insurance for the tips and tricks drivers need to know
Home insurance if you're a homeowner
Travel insurance for cover if you're going away
Mobile phone insurance to cover your phone for less
Pet insurance for your fur babies
NEVER auto-renew – check if you can get a cheaper policy elsewhere
Use our Compare+ Car Insurance tool to see if you can save
Want to stay with your existing insurer? Haggling can save you £100s
Use our top tips to cut the cost of your car insurance
Always check the policy thoroughly before you apply
Watch Martin's video for more details, or read a transcript.
Car insurance prices are falling, but slowly, with premiums down just about 4% in the first quarter of 2025. However, the rate of decline is decreasing with smaller drops each month from January to March according to the latest data from Pearson Ham.
Year-on-year, prices are now almost 18% lower than in April 2024, but they’re still nearly 60% higher than in 2021 due to past increases driven by inflation, rising car repair costs, and higher payouts for written-off vehicles.
So don’t assume your renewal price is a good deal. It’s still crucial to compare quotes and find the best possible price for your car insurance.
Read our guide on how to get cheap car insurance.
Everyone should consider contents cover, but buildings insurance is typically only for freehold homeowners (though do check your lease/contract). To work out what's covered by each, imagine turning your home upside down. If it falls, it's contents. If it stays, it's usually buildings.
Contents insurance: beware underinsuring. If you're thinking: "I'd never claim for everything", and only insure half your contents' worth, you may only get half the payout. Use a contents calculator.
Buildings insurance: beware overinsuring. What counts is how much it would cost to rebuild your home if it were knocked down or gutted by fire – usually less than its market value. Use a rebuild cost calculator.
There are three main types of car insurance cover:
Third party – this is the minimum level of cover needed to drive legally, and only covers damage to someone else or their property.
Third party, fire and theft – as above, but with additional cover in case the car gets stolen or catches ablaze.
Fully comprehensive – the widest level of cover available. You get third-party, fire and theft cover, plus if you have an accident and it was your fault you can claim the cost of repairing your car (as well as any damage you cause to someone else or their property).
Find out more about the types of car insurance.
Below we've featured some fantastic success from MSE users who've used these guides to save money on their car insurance. If you've found success using our tools or guides, let us know via email.
"Spent days searching for car insurance for my 17-year-old son who just passed his driving test. Prices were between £3,000 and £20,000. Then went to Martin's page and used the tool. Got insurance for £1,300 for him and me. So much better. Thank you."
"A huge thank you for your Compare+ Car Insurance tool. I used it, following your tip to get quotes 25 days ahead. Direct price £1,046 vs £605 for like-for like cover via MSE. Saved £441. RESULT!"
"My wife and I each have our car insured on a combined policy. This year's policy renewal came in at £974. Using your price comparison, we have renewed our policies separately for a total of £419, less than half this year's renewal. Thank you!"
