Car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.
Fortunately, calling round dozens of insurers for a quote has been consigned to history – with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.
What details do I need to get a car insurance quote?
If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.
Then you just need a few other details to find a car insurance quote:
The value of your car
Find out what your car’s worth so insurers can calculate a realistic premium.
How long you have held your licence
If you have a number of years of claim free driving, you may find your car insurance is cheaper.
The type of driving licence you have
Tell us if you have a full or restricted driving licence to help calculate the cost of your insurance.
No claims bonus
Read through your latest renewal letter from your current insurer to find proof of your number of years no claims
The number of miles you drive can indicate bags of experience on the road. Tot up your mileage or look at your latest MOT and service certificates.
Your job may affect your car insurance because it tells an insurer about your risk on the road.
Social, commuting or business driving
Whether you’re visiting family and friends, or on the road for business reasons can push your premium up and down.
Second or named drivers
Provide the licence details of second drivers, or any additional drivers to get an accurate quote.
Accidents and claims
You will also need to make us aware of any driving convictions, disqualifications, or points on your driving licence.
Which car insurance is right for me?
There are heaps of car insurance policies to choose from, all priced differently based on your circumstances and the level of cover you need.
Comprehensive car insurance
Policies vary, but this is usually the highest level of protection for you, your vehicle, other cars, property and passengers, plus any claims made against you.
Third party fire (TPFT) car insurance
These policies cover you if you injure passengers, another person, or if you damage another car or any property owned by someone else.
Theft or third party only car insurance
You may notice it’s cheaper to buy theft or third party only insurance. That’s because it offers minimal protection required by UK law. It usually covers injury to others and damage to property.
Not forgetting black box, multi-car, learner, classic car, and sports car insurance, plus many more
Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:
- Choose your voluntary excess
- Opt to protect your no-claims bonus
- Decide whether to pay monthly or annually
Change any of these and you’ll get a fresh set of prices to fit your new answers.
Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.
You don’t need to take our word for it either – when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.
Top tips for finding cheaper car insurance
There’s no magic formula for getting a cheaper car insurance quote because every insurer will tailor the cover to your specific needs.
However, by just deciding to compare car insurance, you’ve taken the first step to find a quote that’s right for your driving habits and budget.
By visiting a price comparison site and comparing car insurance policies, you may save up to £279 especially if you’ve followed our top tips for cheaper car insurance, such as:
- Limiting your mileage
- Pay for your insurance annually
- Ramp up your car’s security features
- Increase the excess
- Build up your no claims discount