Where to find cheap car insurance online

Many people find car insurance confusing – and as a result end up paying more than they should in a very competitive market. The monthly payments – or premiums – depend on different things – your level of coverage, the company assures you and how much risk the insurer considers you are.

The popularity of the Internet has made it easier than ever to find, compare and choose car insurance online. Most companies can give you a quote very quickly – in general, it takes between ten to twenty minutes to enter the necessary information in one of the online registration forms. There is also usually a toll-free number to call if you want to talk to a person.

Compare car insurance policies online

Getting car insurance quotes online is very easy – although there are a few things you should keep in mind. Not all insurance companies will have an immediate on-screen quote for you; some companies may send the quotation to you or call you later.

Some car owners don’t realize that even if their current policy is not yet in place for renewal, most insurance companies will allow a customer to cancel the policy if they decide to switch insurers. In this case, you are generally entitled to a prorated amount as a refund.

One way to easily compare car insurance rates and products is to use one of the different websites that offer comparison purchases. Two of the best sites are the appropriate name
confused.com and moneysupermarket.com. Most websites match the best insurance companies in the UK, including AA, Norwich Union and First Direct.

How to keep your premiums low

There are several ways to reduce the cost of car insurance. Prizes are lower if you keep your car in a garage at night – more than 50% of cars are stolen at night. Otherwise, try parking in your garage instead of on the street – this will also reduce the risk of vandalism.

Be sure to accurately report the mileage you drive in a year – don’t pay for too many miles. A change in employment or lifestyle can mean less mileage – many people don’t bother to change car insurance data when it happens.

Having a car alarm or immobilizer installed in your car will also usually result in lower payments. An additional driver using the car can lead to higher premiums. And of course, your past driving history also has a significant effect on the cost of your car insurance.


A recent – and welcome – innovation in car insurance is the concept of so-called basic coverage, as offered by both Tesco and Norwich Union, in an attempt to simplify the often confusing process. Basic coverage also allows car owners to take adequate insurance without paying more than they need to.

The Norwich Union product is properly called Simple Coverage and is only available online. The product also eliminates some of the unnecessary extras that customers tend to pay without knowing. Another big difference is that the premium is paid in a fixed annual sum rather than monthly.

Tesco’s value car insurance is also only available online – even the registration form is simpler – and Tesco has some of the unnecessary extras, which can increase the cost of premiums. For example, tesco value car insurance does not offer a replacement car for use during repairs, or covers a broken windscreen.

Buying online for car insurance shouldn’t be difficult. With a little search and the right list of web addresses, choosing the right car insurance can be easy and stress-free.

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