How to Get a Better Deal on Car Insurance in the UK
Car insurance is a legal requirement for every driver in the UK, and for many, it represents a significant annual expense.
February 17, 2026 17:45
However, residents of Salisbury and beyond can take proactive steps to reduce their premiums without compromising on essential coverage. Understanding the factors that influence your rates and knowing how to navigate the market can lead to substantial savings.
Shop Around and Compare Quotes Regularly
One of the most effective ways to secure a better deal is to compare quotes from a wide range of insurance providers. The UK insurance market is competitive, and prices can vary significantly between insurers for identical coverage . Utilise price comparison websites, but also consider checking direct with insurers who may not be listed on these platforms.
It is highly recommended to shop for new quotes approximately 21-26 days before your renewal date, as this period often yields the cheapest prices .
Leverage Available Discounts and Policy Adjustments
Many insurers offer discounts that can significantly reduce your premium. Be sure to inquire about all potential savings:
- No Claims Discount (NCD): Building up a strong NCD is one of the most impactful ways to lower your premium. Protect it if possible.
- Multi-Car or Multi-Policy Discounts: If you have more than one car or combine your car insurance with home insurance, you may qualify for a discount.
- Low Annual Mileage: If you drive fewer miles per year, inform your insurer, as this can lead to lower premiums.
- Advanced Driving Courses: Completing an approved advanced driving course (e.g., Pass Plus for new drivers) can demonstrate reduced risk and lead to discounts .
- Telematics (Black Box) Insurance: Especially beneficial for younger or new drivers, telematics policies monitor driving behaviour and can reward safe driving with lower premiums .
- Increase Your Voluntary Excess: Opting for a higher voluntary excess can reduce your premium, but ensure you can comfortably afford this amount if you need to make a claim.
Choose Your Car Wisely
The type of car you drive significantly impacts your insurance premium. Cars are categorised into insurance groups (1-50), with lower groups generally being cheaper to insure. When purchasing a vehicle, consider its insurance group, especially if you are a new or young driver .
Secure Your Vehicle
Installing approved security devices, such as alarms, immobilisers, or tracking devices, can deter theft and may lead to a discount on your premium. Parking your car in a garage or on a driveway overnight can also be viewed favourably by insurers.
Add a More Experienced Named Driver
For younger or less experienced drivers, adding an older, more experienced driver with a clean record to their policy as a named driver can sometimes reduce the overall premium. However, it is crucial that the main driver is correctly identified to avoid 'fronting', which is illegal.
By diligently comparing options, taking advantage of discounts, and making informed choices about your vehicle and policy, Salisbury residents can effectively drive down the cost of their car insurance and achieve a better deal.
User Comments (0)
No comments added yet.
Comments will not be approved to be posted if they are SPAM, abusive, off-topic, use profanity, contain a personal attack, or promote hate of any kind.
Recommended for you.
Recommended for you.
Recommended for you.
Recommended for you.
