Ten ways to save on car insurance in 2025

Car insurance is a must, but that doesn’t mean you have to pay top dollar for it. Whether you’re new to driving or just looking to save, there are plenty of tricks to keep your premiums down without compromising on coverage. From taking advantage of the latest discounts to tweaking your policy, you can find ways to lower your costs. Want to know how? Dive into these expert tips and start saving today.
Put these tips into action here, when buying car insurance.

One of the most effective ways to save money on car insurance is by shopping around and comparing quotes from different insurers. Prices can vary widely between insurance providers, so check and compare different policies to find the cheapest policy that covers your needs.
If you’re renewing your car insurance, start getting quotes from multiple insurers a couple of weeks before your renewal date, as prices can change daily. Avoid waiting until the last minute as rates often increase closer to the renewal date.

Many insurance companies automatically renew your policy unless you instruct them otherwise. This is convenient but often means you’re not getting the best deal available.
Make a note of your policy’s renewal date and start looking for new quotes well in advance. This gives you the opportunity to find a better deal before your policy auto-renews. If you find a better quote, contact your current insurer to see if they can match or beat it. If not, switch to the new provider to save money.

Insurance companies often lower premiums if you add a more experienced driver with a clean driving record. Consider adding a parent, spouse, or a partner with a good driving history as a named driver on your policy. Just ensure they’re going to be using the car, as adding someone who doesn't is considered dishonest.

Some professions are statistically associated with a higher risk of accidents, which can potentially lead to higher insurance costs.
Insurers will ask about your employment status and what you do for a living. If your job title has changed, then make sure you’re using the most current job title when applying for or renewing your insurance policy. Remember to be honest about your job title and ensure the title accurately reflects your occupation. If you do make a claim, your insurer may ask for proof of occupation.

You can lower your car insurance premiums by registering on the electoral roll. Insurers use the electoral roll to verify your identity and address, which may reduce the risk of fraud.
Make sure you are registered on the electoral roll at your current address. You can register or update your details on the government’s official site. This simple step can also benefit your credit score, which can further help in reducing your insurance premiums.

If you have more than one car in your household, you may be able to save money by insuring them under a multi-car policy. Multi-car policies can be a good option for families or couples with more than one vehicle.
Some insurance providers also offer discounts if you bundle your car and home insurance together. Bundled insurance policies can also simplify your insurance management by having a single renewal date and point of contact. Check with your current insurer to see if they offer a discount for bundling policies or insuring multiple cars. Get quotes for individual policies as well as a multi-car and bundle policy to compare the savings.

Paying for your insurance upfront, rather than monthly, often saves you money in interest fees. If you're financially able to do so, paying the full premium in one go can help you avoid extra costs and reduce your overall expenses.

Raising your voluntary excess (the amount you pay out-of-pocket in the event of a claim) can significantly reduce your premium. However, only increase it if you’re sure you can afford the excess in case of a claim.

The safer your car is, the less risky it is for insurers. Parking in a secure place, installing security devices, and driving without accidents or claims will often result in cheaper premiums. Always notify your insurer about any added security features.
And remember the more years of driving you have without convictions or claims, the cheaper your cover will become.

A telematics or "black box" policy involves installing a device in your car that monitors your driving habits.
Younger drivers especially could benefit from a pay-as-you-drive policy, where insurers check how safe a motorist is by installing a telematics device or ‘black box’ in their car. However, be aware that premiums can rise as well as fall depending on how well you drive.

While it can take time to shop around and find the right policy for you, doing that extra bit of research can help save you money in the long run. You can get a quote for the car you want to buy and find cheap car insurance on Auto Trader.