Many of my work colleagues are asking about the Cheapest car insurance provider in the UK, with the increase in inflation, the high cost of living people are now looking for ways and how to save money on home insurance, car insurance, petrol, and day-to-day living expenses.
Car insurance can be daunting and confusing, especially if you’re trying to compare providers and packages to find the best possible rate. You want cheap car insurance, but you also want something that’s reliable, trustworthy, and effective in the case of an accident or claim. If you’re looking for cheap car insurance companies in the UK that can meet all your needs, here are 13 of the cheapest insurance providers in the UK today.
1) Go Compare
Go Compare is another car insurance comparison website that has a slightly less user-friendly approach than other websites. Once you’ve entered your postcode, it generates an estimate based on your responses to a few simple questions, such as how old you are and what model car you own, and what insurance cover you want. Whether is fully comprehensive or Third-party insurance. for example, after entering my details, it gave me a price of £932 for someone my age with the third party only covers. This seems like an incredible deal compared to most other websites’ estimates which were much higher.
2) Admiral
The Admiral car insurance company was established in 1903, making it one of Europe’s oldest providers. The Admiral has grown significantly over its long lifetime and now serves over 4 million customers across 17 countries. Over its history, it has won several awards and accolades, including a recommendation by Which? magazine, which praised it for offering value-for-money policies. With an A+ rating with Standard & Poor’s, Admiral provides some of Britain’s cheapest car insurance quotes on offer. It provides insurance to both new drivers and more experienced drivers who are looking for cheap auto coverage at any age. Whatever insurance cover you are looking to purchase for your car and whatever features you want to be included you can be sure to find them among Admiral’s offers.
3) Zurich
Zurich car insurance quotes are on average 15% cheaper than the market rate, and they offer 24/7 customer service. The car insurance policies offered by Zurich can also be customized to suit your needs. For example, if you want a policy that covers damage from vandalism or fire, you can get one for an additional cost. Zurich offers a range of vehicle coverages that include comprehensive, third-party liability, and third-party damage cover. They also have a number of extras included with each policy such as motor legal protection and enhanced windscreen cover. If your car is less than seven years old and has not had any major modifications, it may qualify for additional discounts as well.
4) Diamond
Diamond is a well-known provider, and they take care to offer competitive prices that fit most people’s budgets. They focus on simplicity and affordability, which keeps their services quick and easy to use. One of their best features is that they provide customers with a free road safety check every time you book your car in for servicing. This helps identify any issues that could reduce your risk while driving. They also provide insurance quotes based on different factors, so you can get coverage tailored to exactly what you need rather than buying everything under one policy. If you are having trouble getting low-cost car insurance or just want something better suited to your needs, it’s definitely worth contacting Diamond for more information.
5) Co-op Insurance
When you think about Co-op Insurance, you’re probably not imagining a top company. It’s true they haven’t been around for long and that they don’t have any particularly innovative approach to car insurance, but they are consistently cheap. Some users praise them for offering low prices without upping their excess. Their policies have pretty much everything else you could want from an insurer, so if you can do without extras like being able to upload your monthly mileage or pay online, Co-op might be worth a try.
6) Direct Line
Direct Line is one of Britain’s biggest car insurance providers and manages to stay price competitive thanks to a range of factors. First, it doesn’t generally offer any kind of promotional deals; instead, Direct Line maintains standard prices across all its products. The company also reduces its own administrative costs by not offering customers extras like breakdown assistance and windscreen cover as part of a package deal (though these can be purchased separately). And while they don’t offer any huge money-saving policies, they do run small promotions on particular kinds of cover now and then that are always worth checking out. Direct Line is owned by Canada Life Group Ltd., which also owns Norwich Union and Privilege Insurance Company Ltd.
7) Saga
If you’re on a tight budget, Saga is worth considering. It offers quality insurance that won’t break your bank account, but it doesn’t do as much to reward good drivers as some providers might. Each year, you get one claim anniversary gift, which could be a reduced price for renewal or an award for being accident-free for 12 months. Your age can also affect what kind of policy you get: If you’re under 30 years old, for example, you have to pay extra as much as £1 more per month than someone over 50 years old. Rates are set by gender and postcode and even vary according to whether your car is automatic or manual.
8) Elephant
The Elephant has long been a symbol for finding the right insurance provider. Once you’ve narrowed down your options to three, check out Elephant’s ratings and customer reviews of those providers. When it comes to insurance, there are few better resources than personal experience. With over 60 million users, Elephant is one of the largest online communities dedicated to recommendations on all things insurance-related. Knowing how customers feel about companies can help you avoid choosing an undesirable service that could come back to haunt you further down the line. Elephant mentioned they provide hassle-free insurance with great value for money.
9) Swinton
If you’re looking for cheap car insurance, then Swinton is one option to keep an eye on. They currently offer both comprehensive and third-party fire and theft car insurance policies. For a full list of prices, take a look at their website or get in touch with them directly. Alternatively, compare your options using Money Supermarket’s comparison tool. It offers quotes from some of Britain’s most popular providers and can give you a quick rundown on how much things could cost per month. Be sure to read our guide to cheap car insurance providers to learn more about what can affect your premiums, including how your claims history affects costs.
10) AXA Shield.
If you’re looking for good coverage, AXA Shield is a good way to go. While it’s one of the pricier options on our list, there are significant discounts for having multiple cars insured with them and for bundling your home and auto policies together. These discounts will vary depending on where you live but if you have more than one car or live somewhere with more expensive insurance rates (like New York City), they could end up saving you money. AXA Shield also has good customer service, making it a solid choice overall.
11, Quote me happy insurance
You’d be surprised how much your insurance company loves to see their name mentioned online. The safest way to get cheap quotes is to quote a few insurers most brokers offer discounts on policies if you shop around and they also know what rivals charge. But it’s not always clear who offers what, so look for comparison sites that have done all that hard work for you, Quote Me Happy is a good example they are currently my car insurance provider. With these sites, switching insurers takes just seconds.
12, Aviva
As a household name, Aviva is as good a place to start looking for insurance as any. The market leader offers all of its car insurance policies online and has over 10 million customers which would put it into Fortune 500 territory if it were a US company. Customers can get their car insurance quotes instantly online, or by calling their call center on 0800 980 1088. To top it off, Aviva is one of the few companies that have reduced their prices since last year.
13, LV general insurance
With a wide range of cover options and prices that start from just £18.50, LV General is ideal for young drivers looking to get a great deal on car insurance. All you need to do is use your NUS Extra card before buying your policy and you’ll save up to 20% off your premium. Even if you don’t have NUS Extra, their comprehensive policies are still competitively priced. In addition, their service includes an array of features such as accident forgiveness and 24/7 legal support. If you’re shopping around for cheap car insurance, then LV General should be one of your top choices.
