Compare+ Car Insurance

We can't legally get and publish price data from a comparison site without its permission. We would love to include prices from the main comparison sites and larger insurers in our search but they have to agree to it.

MoneySupermarket.com is part of the same parent group as MoneySavingExpert so it was the easy start point. We did ask other big comparison sites to join, though none took up the option.

Of course, in line with the MSE Editorial Code, we do mention other comparison sites that might be cheaper for you, and give you a general order of which to try them, much as we have done for years in our main car insurance guide.

There can be a few reasons for this, including:

• You're searching too early. Look for car insurance more than around four weeks before you need it to start and it's likely fewer insurers will be willing to quote that far out. Try again around three weeks before you need it to start.
• You have unusual circumstances. This could be that you have points on your licence, drive a classic or expensive car or have medical conditions that represent an unusual risk.
• You can't be (easily) matched to your credit reference agency records. This can happen, for example, if you've recently married and changed your name, but not yet changed it on the electoral roll or with banks or lenders that report on you. Insurers won't be able to do the identity checks they usually do when someone applies for a quote, and many will choose just not to quote.

If you're struggling to find affordable - or indeed any - cover, try a specialist insurance broker. You can find one through the British Insurance Brokers' Association website.

Telematics is a policy that prices your premiums depending on how you drive. A device - known as a black box - installed in your car monitors your actions behind the wheel so the better your driving, the less you pay for cover. Sometimes insurers will measure your driving via an app on your phone rather than installing a box in your car.

If you are confident that you can drive well, you can earn £100s back on your cover via a telematics policy. Be warned, however, that driving badly could see your premiums increase.

It may not just be about how you drive either. Some insurers could factor in when, or how far, you drive too when working out premiums. In these cases, driving at night often pushes up premiums, as does driving long distances regularly.

If you have quotes that involve a telematics device, always make sure you're aware exactly what you're being measured on.

The compulsory excess is set by the insurer, and this is the amount that you will need to contribute in case of a claim. Often this is set at £100 or £250.

The voluntary excess, as the name suggests, is down to you. But be careful when deciding your excess. The larger the voluntary excess you set, the cheaper the premium usually is.

However, if you did need to claim, you'd need to pay the total amount of both excesses before the insurer would start to pick up costs. So if you had a £250 compulsory excess and a £250 voluntary excess, then you'd need to pay the first £500 of any claim. If the claim total exceeded this, the insurer would need to pay for the rest.

Once you've found a cheap quote that you're happy with, there are a few things to check...

• Double-check the quotes. Click through to the provider's website to read the quote thoroughly. Some comparison sites make a few assumptions to speed up searches.
• Check if the policy is suitable for your needs and whether you need any add-ons. There are always extras to choose from, so make sure that the policy you've picked only includes the ones you want.
  • Courtesy car. If you couldn't survive without a car if it needed to be fixed, opt for a policy that has a courtesy car as standard or a cheap add-on (do check what type of car you'd get, when you'd get it and for how long).
  • Breakdown cover. Some insurers include a basic policy as an incentive for you. Frankly unless the policy is your winner anyway it's often cheaper just to get the cheapest standalone breakdown cover. Do compare.
  • Protected no-claims discount. A no-claims discount is what it says - it doesn't mean your price can't rise - it means you get a fixed discount off the price. If it's protected it means you can make a claim and still keep the future discount (if you stay with your existing insurer).
  • Legal costs cover. This helps recover costs or losses you incur as a result of a claim where you weren't at fault. For example, the excess you have to pay, potentially claiming for a loss of earnings, or personal injury following an accident where the other driver's at fault. This can be useful cover that many overlook.
  • Key cover. This does what it says on the tin - it covers the cost of new keys, for example, if yours have been lost or stolen. Before committing, check if your car breakdown policy already covers you for this.

Hello, I'm Martin Lewis and this is your mini briefing on getting car insurance. First thing to understand is if you own a car or you're the registered keeper, you need insurance even if you don't drive it. Those are the rules. They changed ooh five, six, seven, eight years ago. I should have double checked that before I started. But that's how it works now anyway. And so you've got to get yourself insurance. If not, your would need to get yourself a SORN, a Statutory Off Road Notification.

First big rule when it comes to getting car insurance is never auto-renew. Each year your firm will send you through a renewal. They use the fact that you must have car insurance in place if you own a car to say, you know, this is the day it runs out and you legally have to have it in place the next day. Well, stop that. As soon as you get that renewal, or even better, put a note in your diary beforehand. You should be checking if it's possible to get cheaper car insurance elsewhere. If it is, you might want to switch or you might want to go back to your original insurer and say: Hey, my renewal quote with you is 600 quid. I can get an identical policy for 400 quid elsewhere. I'd like to stay with you, please will you cut your price? And that haggling does work.

When it comes to finding the cheapest price. Well, we've got a MoneySavingExpert tool that helps you do it. It's called our Car Insurance Compare+ tool. And all of the tips I'm going to give you are automated and made much easier to do inside of that tool. But let me give you a briefing of the type of things you need to be thinking about when it comes to getting car insurance.

The first one, for most people, the best thing to do is combine comparison sites. Now they're called comparison sites, but in truth, they are actually car insurance marketplaces because they're allowed to give you their own prices for different insurers, as long as that's not more expensive than going direct. So the same insurance company could have a different price on two different comparison sites, plus the fact they don't all search the same car insurers. So we always suggest trying two or three if you're really trying to nail the price down and then add in those firms that aren't on comparison sites, the specific one being Direct Line, there might also be some deals out there too, that could benefit you when it comes to the timing of getting your comparison done. Our research shows that 21 to 28 days beforehand is usually the uber spot. Prices get cheaper as you get down to 28 to 21 days and then afterwards they go up because insurance is all about risk pricing. And the actuarial risk charts say those who leave it later are a higher risk. So insurance price them higher. You could pay getting on for 50% or more, more if you renew on the day your insurance lapses rather than doing it 21 to 28 days beforehand.

Next quick tip is not all car insurance savings are common sense. Some of them are counter logical. I've got three for you. The first is that adding a second driver could reduce rather than increase the price. This is because insurance is all about risk. And so if you add a second driver who is a lower risk, that can bring down your average risk and therefore cut the cost. The classic time this will work is if you've got a younger driver, say, a 23 year old who adds a second driver, likely their parent, who's got a long-term good, clean, sensible driving record. And it can bring down the average risk and bring down the price. It doesn't always work. It's a matter of trial and error.

So is changing your job title. Now never lie. You can only call yourself something that a reasonable person would say is reasonable for your job.

But it may be that a secretary and PA, one may be cheaper than the other. A bar staff or bar worker. One may be cheaper than the other. Small nuances can make a difference. And we've got a tool that helps you through that.

And finally, don't assume that fully comprehensive insurance will be more expensive. You get more cover with it. But again, we go back to those risk charts. That fact that you select fully comprehensive actually for some insurers show that you may well be a lower risk. And the amount it brings the risk down can more than compensate for the fact that they're giving you bigger cover. So if you're looking to get the very cheapest insurance, don't just look at third party. Also get some quotes for fully comp too, just in case you're the one of the people for whom that's cheaper.

My final thoughts. Once you've found your cheapest insurer, you can always go and check whether you can get cashback for it on a cashback website. But do make sure you're not going to pay more for the policy if you do that. And always check through every element of the policy to be sure you're happy with it before you sign up. There are lots of different bits to car insurance policies and you need to check it's right for you. Remember, car insurance is regulated. If you have a problem, even if they're rejecting your claim and you think that's unfair, make a formal complaint. And if they still turn you down, you have a right to go to the free Independent Financial Ombudsman Service, where it will adjudicate whether you're being treated fairly or not. Hope that helps loads more info on the car insurance guide. And in the Car Insurance Compare+ tool.