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This doesn’t just leave careless drivers paying more for their insurance; it can also mean that they find themselves locked into a monthly premium they hadn’t budgeted for, forcing them to cut spending elsewhere in their life to keep their car on the road.

So, what can be done to achieve low cost car insurance?

  • Switch to a cheap but reliable car
  • Consider options like telematics/black box car insurance
  • Compare insurance quotes to find the one that best fits you

Choice of Car

Cheaper cars cost less to repair, and this means insurance policies for them will often have lower premiums. This is especially true if the car is also known to be reliable.

If you’re a new driver, or you’re considering a change of car, it’s worth researching cheap hatchbacks from reliable brands. Some of the cheapest cars to insure include:

  • Dacia Sandero
  • Fiat Panda
  • Chevrolet Spark
  • Volkswagen Up/Seat Mii/Skoda Citigo

Many modern hatchbacks also put fuel efficiency first, so the two most significant ongoing costs of running a car are much lower for drivers with these cars.

Specialist Options

If you’re not a new driver, you probably have a pretty good idea how far you drive in a given year. For drivers who mostly use their cars to get around their home town, especially if their commute is relatively minor, limited mileage car insurance can be a great way to cut costs. Most limited mileage policies have a cap of around 5,000 miles per year – so do be honest with yourself about how much you’ll drive before you sign up.

Black box insurance, AKA telematics insurance, requires you to attach an aircraft-style ‘black box’ to your car which monitors your location, direction of travel, speed of travel, etc. It can be used to prove fault in the event of a collision and is offered with lower premiums. It’s too early to be certain, but indications are that most drivers who agree to black box insurance are involved in fewer accidents, which will drive down the cost of these policies further in future.

Low Cost Car Insurance Comparison

Using online comparison tools like the one above is still the most effective and certainly the quickest way to find low cost car insurance for most drivers. It’s usually possible to find the cover you need at a cheaper price than you have been paying or expect to pay. Taking the time to compare policies and pick out the most appropriate one will pay for itself over and over, with every premium you pay.

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.

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How much does car insurance cost?

Car insurance is made up of an annual premium. This can be paid in a lump sum or monthly as a direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums with Insuro. Get one of our quotesin a matter of minutes.

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