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Get a car insurance quote in five easy steps

You’ll get car insurance quotes from over 120 insurers in minutes, and you could save £200* – 60% of car insurance customers could save up to £200. *Consumer Intelligence data (December 2011).
uSwitch is independent and we’re not affiliated to any one insurer.  We’ll only ask you for information that will give the most accurate results for your car insurance needs and our service is free to use.

What you’ll need to have ready

Before you start to look for car insurance quotes you need to make sure you have the following details ready:

• car registration number. If you do not have this to hand you can use the make, model and engine size of the car instead;
• your car’s current mileage and expected annual mileage;
• details of where the car is parked during the day and in the evening;
• its purpose (i.e company car);
• your driving licence details.

How to cut the cost of your car insurance

Apart from making sure you’re on the cheapest car insurance possible, there are more ways than you might think  to reduce the cost of your car insurance. For instance, you can:

• choose to pay a higher excess (the amount you pay towards each claim);
• limit who drives your car to yourself only or you plus a named driver;
• park your car in a garage or off the street;
• keep your mileage low (doing less than 12,000 miles a year);
• fit a security device such as an alarm or immobiliser.

With so many car insurance companies and policy options available to drivers today, picking the right policy can be overwhelming. CarInsuranceQuotes.net is here to help. From picking the type of policy you need to determining exactly how much coverage you should purchase, we can guide you through it all. We've teamed with the leading insurers in the industry to provide you with a number of affordable quotes. In addition, you can read through our guides to understanding and getting the most out of your car insurance so that you can purchase a policy that not only meets your needs, but also won't break the bank.
The right auto insurance policy can help protect you from financial loss if you are ever involved in an accident. Basic liability coverage can help you pay for legal responsibility if you injure someone or damage someone's property in an accident. Additional coverage, like property and medical, can potentially save you from incurring tens of thousands of dollars in loss if your vehicle is damaged or stolen, or if you are seriously injured in an auto accident. Also, unless you purchase a car outright, most lenders require you to have full-coverage auto insurance if you are leasing or financing your vehicle.
Get started by using our quote tool to comparison shop for the lowest possible rates in your area from top providers like Nationwide, Famers, Allstate, Progressive, Geico, and many more. In just a few clicks, you'll be on your way to finding a customized policy that not only meets your financial needs, but also provides the best coverage possible.

1. Get multiple quotes

   The National Association of Insurance Commissioners (NAIC) is an excellent resource for insurance shoppers, offering a consumer buying guide that collects and compares insurance premiums from numerous companies. Because the site isn't run by insurance companies or a shill for the insurance companies, it provides an honest assessment of each company so that you can make an informed decision.
   

2. Consider the car you're driving

   When haggling over the price of your next new or used car, consider the additional costs that will accompany the monthly car note, including insurance. Some cars, based on their risk and safety ratings, cost less to cover. For example, the Dodge Caliber is one of the least expensive sedans to insure, while a Porsche Carrera, for obvious reasons, is one of the most expensive to insure.
   

3. Add your second vehicle to your policy

   Insurance companies offer multicar discounts because it saves them time and money on paperwork from activities such as writing policy and billing. If you've brought a new car into the fold and are satisfied with your current insurance provider, then consider adding that second vehicle to the policy.
   

4. Look for discounts

   Many insurance companies offer low mileage discounts, which are best suited for drivers who aren't completely reliant on their vehicle for day-to-day use. For younger drivers, presenting a good GPA to their insurance provider could result in 5% or 10% discounts. Discounts on safety features such as anti-theft devices, and group discounts, which are awarded to members of professions or organizations, are also worth exploring.
   

5. Choose a higher deductible

   If you're a safe driver, then you should be confident enough to raise your deductible to lower your premium. A deductible is the amount of money you would have to pay in the event of an accident before the insurance company steps in and pays the rest. Jumping from a $200 deductible to $1,000 deductible, for example, could reduce your premium by almost half. If you do choose a higher deductible, be sure to have enough money saved up to cover it if an accident does occur.
   

6. Opt for the minimum personal injury protection

   Reliable health, life, and disability insurance should cover your medical expenses in the event of an accident. You can avoid paying double for the same thing by purchasing the minimal amount of personal injury protection required by state law.
   

7. Keep good credit

   A less-than-perfect credit score can bring forth a lot of negative repercussions in a variety of ways, including raising your insurance premium by a significant percentage. It's one of many factors considered by insurance companies in determining your rate, and yet another reason why you should continue to pay those bills on time.
   

8. Don't allow your coverage to lapse

   You should never allow your insurance coverage to lapse because you would be driving illegally, which could result in the suspension of your driver's license or vehicle registration. The other consequence is that it could disqualify you from receiving discounts that would lower your premium, as you may be classified as a "high risk" driver. Additionally, some states penalize drivers who allow their policies to lapse — the longer you wait to renew it, the more you have to pay.
   

9. Pay premium in full

   It may seem like a steep price to pay in the short term, but in the long term it can save you a bundle. The advantage of paying your premium in full is that you'll avoid installment fees, which can total $50 to $100 during a six-month period. The insurance company benefits by receiving the entire payment, and, as mentioned before, saves money on paperwork and processing procedures.
   
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