Car Insurance Quote Comparison

Car Insurance Quote Comparison

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Compare cheap car insurance quotes from over 110 brands3 in the UK

Careerngr is always there to do the hard work for you, comparing deals from the biggest brands in the UK to enable you to get the right cover.
151% of consumers could save up to £301.64 on their annual car insurance premiums. Consumer Intelligence, January 2022. UK only.
2Geographic restrictions apply – England, Scotland & Wales only. Participating garages only. This offer will end on 1st June 2022

Our aim of this article is to make it effortless to find cheap car insurance quotes, so you can get on with enjoying the open road.

What level of cover do I need?

No two drivers are the same, so when you take out car insurance you’ll be able to choose between three basic levels of cover.

  • Fully comprehensive

Fully comprehensive car insurance is the highest level of cover you can get. You’ll be protected against damage, repairs, medical expenses, fire damage, and theft. As well as damage to someone else, their car or property. £637 on average

  • Third-party, fire and theft

Third-party, fire and theft policies offer cover for other people, their vehicles, and their property, as well as protection for your own car if it were to get stolen, or if it’s damaged by fire. £1,031 on average

  • Third-party

Third-party only car insurance is the minimum legal requirement you need, and it’s also usually the most expensive type of cover. It covers injuries to other people, and damage to their vehicles and property £1,586 on average

Do I need car insurance?

Car insurance is a legal requirement. If you own or drive a car in the UK, the law says you must have at least third-party only insurance. You must have insurance, even if you don’t drive your car, and you keep it parked on a road, driveway, or in a garage. This applies to all drivers, and you can find car insurance for:

  • Young drivers: If you’re a driver aged between 17 and 24
  • Learner drivers: If you’re taking lessons with a provisional license
  • Over 50s: If you’re a driver aged 50 and over
  • Named drivers: If you want another driver on your policy
  • New drivers: If you’ve recently passed your driving test
  • Disabled drivers: If you need extra protection because of your disability

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What types of cars can I insure?

You should be able to find car insurance for most types of cars, but if your wheels are a little out of the ordinary, you might need to get more specialized cover.

  • Classic cars: HMRC defines a classic car as over 15 years old and valued at over £15,000. Premiums are typically cheaper than standard policies because older vehicles have lower speed limits and classic car owners tend to keep their car well looked after, as well as being on the road less often.
  • Sports cars: Cars built low and designed for performance and high speeds. Premiums tend to be more expensive than standard car insurance because sports cars have more powerful engines and can reach higher speeds, increasing the statistical likelihood of an accident
  • Imported cars: An imported car is a model you’ve bought and delivered from abroad. They’re often more difficult and expensive to insure because they usually cost more to repair, and are often higher-spec, with more powerful engines. They’re sometimes modified to fit with UK regulations – all this leads to extra hassle and risk for insurers.
  • Modified cars: Cars that have had modifications such as custom bodywork or paint jobs, engine upgrades, or new wheels. Upgrading your car’s appearance, performance, handling or function means that insurers classify it as a greater risk and charge more for your cover.
  • Electric cars: Cars that run purely on battery power. Electric cars are fairly new to the market, and they use technology that isn’t as wide-spread as standard petrol cars – as such they can be more expensive to repair, and therefore also insure
  • Green cars: Cars that are fuel-efficient, built with hybrid engines, or rely on alternative fuels. Premiums will depend on your policy, your car, and how you drive. Some insurers do offer lower premiums and deals for green car insurance, so do your research before choosing a policy

What other types of cover can I get?

We use our cars in different ways, so insurance companies provide specialist cover for some specific circumstances:

  • Driving abroad: This covers you for driving your car in Europe or other countries
  • Business use: This type of cover insures you for using your car for work or business
  • Short term cover: This lets you take out temporary car insurance from anywhere between a day and a few months
  • Multiple cars: This lets you take out temporary car insurance from anywhere between a day and a few months
  • Telematic: This gives you a chance to bring your premiums down by installing a black box
  • Your excess payment: This protects your excess payment if you need to make a claim

How much does car insurance cost?

Lots of different things can affect the price of your car insurance, but in general, your premiums usually tend to get cheaper as you get older. 20 – 24-year-olds, for example, pay £1,241 a year for fully comp cover, 30 – 39-year-olds pay £627, and 50 – 64-year-olds pay around £3214.

That’s because insurance companies think younger drivers are more likely to make a claim because they have less driving experience and a higher chance of being involved in an accident.

A fully comprehensive cover is usually the cheapest option, even though it offers the most cover out of the three options. It used to be the other way around until insurers noticed they were getting more claims on third-party-only policies because younger or newer drivers would choose this as the cheapest option.

This pushed the price of third-party-only policies up, so the trend reversed – and now, fully comprehensive cover is the cheapest.

What else affects your car insurance premiums?

Insurers consider lots of things when they work out how risky you might be – and the more of a risk you pose, the higher the price of your car insurance will be. Considerations include:

  • Your location: Some postcodes may have higher rates of theft or vandalism than others. Those living in London, for example, pay on average £807 for their yearly premium, whilst those in Scotland pay only £4925 
  • Your job: Insurers might see some jobs as higher risks, especially if they involve driving a lot of miles or being around heavy machinery 
  • Your mileage: The longer you spend on the road, the more likely you are to be involved in an accident. If you drive infrequently, you could save money with the low-mileage cover
  • Your car make and model: Cars in higher insurance groups usually cost more to cover. Find out which car insurance group your car is in with our car insurance group tool checker
  • Your car storage and security: Garages, driveways and carports generally reduce the risk of theft or vandalism
  • Your driving history: This includes any driving convictions you may have as well as any claims you’ve made on car insurance policies in the past 
  • Your voluntary excess: Volunteering a higher excess fee tells insurers you’re less likely to make frivolous claims for low amounts 
  • Any other drivers on your policy: If you’re younger than 25, you might find adding a more experienced driver to your policy brings your premiums down

What do you need to get a quote?

  • Details of the car’s registration number if you know it. If not, the make and model is fine. We’ll also need the car’s age and any modifications you’ve made
  • What you’ll use the car for social, commuting, or business, and how many miles you’ll do in a year. You’ll also need to say where you’ll keep the car at night for security
  • Your details and your license including your job, age and address – are the same for any additional drivers you may have.  We’ll also need to know what type of license you have, how long you’ve had it, your claims and your driving history
  • No-claims discount (NCD) history details of your no-claims discount will help lower the prices you get. Use our no-claims discount tool to find out how many years’ no-claims discount your insurer will honor

How can I get cheaper car insurance?

Here are some things you can try to bring down the cost of your car insurance policy:

  • Build a no-claims discount you can avoid making claims for smaller things by paying for the repairs or replacements yourself, you can earn a discount on your premiums – the longer you go without claiming, the bigger the discount should be
  • Avoid modification modifying your car can often mean more expensive repair costs, or needing spare parts that are harder to get, so you’ll likely pay more to cover these
  • Consider telematicsTelematics policies, sometimes known as black box car insurance, give younger and inexperienced drivers a chance to earn lower premiums by showing that they have sensible driving habits
  • Avoid auto-renewing your car insurance policy will likely be renewed automatically when the term ends, but you may be able to find a cheaper deal when you compare quotes online
  • Pay annuallyPaying an annual lump sum for your car insurance policy may seem like a big initial outlay, but it would cost less overall than if you were to pay monthly installments
  • Switch on your car monitorOur car monitor keeps an eye on things for you, so you’ll never need to overpay or miss a car insurance renewal - download the app

What policy features can I get with my car insurance?

When you take out car insurance, you’ll be able to find policies with the following features. But these will make your policy more expensive, so consider whether you really need them:

  • Breakdown cover Pays for the cost of calling out a mechanic if your car breaks down
  • Courtesy car cover Gives you access to a replacement vehicle while yours is in for repair
  • Personal accident cover Pays out a lump sum if you’re injured or killed in a road accident
  • Motor legal protection Covers the legal fees you might face in relation to a road accident
  • Windscreen cover Pays for the cost of repairing or replacing a cracked windscreen
  • Car keys cover Covers the cost of replacing your keys if they’re lost, damaged, or stolen
  • The wrong fuel cover Pays for the necessary repairs you’d need if you accidentally top your car up with the wrong type of fuel
  • Personal belongings cover Protects your belongings, which can be handy if you tend to leave them in your car
  • No-claims discount cover Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums

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