Car insurance is one of those necessary expenses that every driver must factor in, but that doesn’t mean you have to pay over the odds for it. With a bit of smart thinking and the right tools, you could save a significant amount on your premium each year.
Here are the top 3 tried-and-tested tips to save money on your car insurance policy, including insights inspired by MoneySavingExpert and how sites like Einsure can do the hard work for you.
1. Always Shop Around – Loyalty Rarely Pays
One of the biggest myths in the insurance world is that staying loyal to your current provider will reward you with better rates. In reality, loyalty often leads to higher premiums. As Martin Lewis from MoneySavingExpert regularly advises, shopping around before renewal is one of the easiest ways to cut costs.
Don’t accept your renewal quote without question. Use a comparison site like Einsure.uk to view prices from a wide range of insurers in just a few minutes. You’ll often find that the same provider offers a cheaper deal to new customers via comparison tools than they do through a direct renewal.
Top Tip
The best time to compare quotes is around 23 to 26 days before your policy renews – this is when insurers tend to offer the most competitive prices, according to MoneySavingExpert.
2. Adjust Your Excess and Avoid Unnecessary Extras
Tweaking your voluntary excess (the amount you agree to pay in the event of a claim) can help reduce your premium. Generally, the higher your excess, the lower your premium — just make sure it’s an amount you can realistically afford to pay if you do need to make a claim.
Also, review your policy extras. Some add-ons like breakdown cover, courtesy cars, or legal protection might already be covered elsewhere (for example, through a bank account or roadside assistance membership). Only pay for what you actually need.
When using Einsure’s comparison system, you can easily adjust these options to find the right balance between cost and cover.
3. Make Sure Your Details Are 100% Accurate
When applying for car insurance, accuracy is crucial. Providing incorrect or incomplete information can not only lead to higher premiums, but may also invalidate your policy in the event of a claim.
Some key areas to double-check:
Your annual mileage – Overestimating can bump up your premium unnecessarily.
Where your car is kept overnight – A garage is usually cheaper than on-street parking.
Your job title – Some roles are considered higher risk than others, even if the duties are similar. Tools like the MoneySavingExpert Job Picker can help you see which variation of your title might reduce your premium.
With Einsure.uk, the process is simple and intuitive. You’ll be guided through each step of the quote process, with clear explanations to help you enter the right info and avoid mistakes that could cost you.
Einsure – Helping You Compare, Save, and Drive with Confidence
At Einsure, we make it easy to compare car insurance quotes from leading UK providers in minutes. Whether you’re looking to cut costs, improve cover, or simply ensure you’re not overpaying, our platform puts you in control.
You’ll see side-by-side comparisons, access exclusive deals, and be able to tweak your policy details in real time to see how they affect your premium. It’s car insurance made simple — and sensible.
Final Thoughts
Saving money on your car insurance doesn’t require a huge effort — just a bit of know-how and the right tools. Shop around, fine-tune your policy, and always be accurate with your details. Sites like MoneySavingExpert offer great guidance, but when it comes to actually finding and comparing quotes, Einsure.uk is the place to start.
Why pay more than you need to? Let Einsure help you find a better deal today.